et’s face it. We all know the credit card truth. Come on, you can say it. You can name the pink elephant in the living room: Is it CitiBank, Chase, BankAmerica, Wells Fargo, or...?

So, we know you have someone else’s credit card in your purses and hip pockets. Are we the jealous types? Noooo. Are we green with envy that you take them out to dinner and not us? Noooo. Do we fill your mail box with obscene offers? Do we lure your children with candy and puppies? Do we make promises one month and change them the next on the pretext of giving you a “better Web experience?” Are we selling your most private financial information to the highest bidder? Are we stuffing your front pockets with “wonderful” offers of “free air miles” with one hand, and with the other, picking your back pocket by charging you outrageous late fees (like from day one), massive cash advance fees, bloated balance transfer fees, and average balance calculations that mash you from the moment you smack down your card? Not only,” no,” but “Heck, no.” And guess what? Nobody’s job was outsourced either.

Do we have a real grace period, do we like to share? Yessssss. We are the rational types, pragmatists, realists with a large dose of loyalty — to you — offering a no-nonsense, no-surprises credit card.

Take us to the ballgame, take us on vacation, take us out to dinner, to the movies, take us when you cruise the Web. Put the Cypress West card in your purse or hip pocket. “‘Cause, we know you ain’t using it, Baby. And, if if you ain’t using it, you don’t know how good it is.

Apply today and stay clear of the elephant and its poop. It ain’t green and it don’t smell like roses.