I just recently applied for this card. I was declined online, but when I called for a recon I was approved. The reason why I was originally declined was because I had 0 balance on my revolving accounts. The lady that I talked to thought that was a silly reason since it showed my other accounts such as car loans all in good standing so she approved me. I believe they pulled Experian for me(I'm in PA). The only thing I had on my Experian report that would be considered a baddie is a paid tax lien in the public records portion that's over 2 years old. My score was 730.
