I got the card 4 months ago. Went into branch and told the CSR I want to come back after 2 yrs with Chase due to they wont give CC's to BK'ers. She remebered me. Opened checking, savings, and she put thru my app and was approved for 5800 in 20 mins time. Scores were 730's then before truck payoff. BK just over 2 yrs ago.