I applied for the Disover More and got instantly approved online. i had to call a number to verify some information but they approved me for $7500 (which is now my highest C). My scores are in the mid 700's i was carrying a util of probably 27% at the time and the biggest kicker is that i had a Discover 10 years ago when I was in college that got charged off for $1000. it doesn't show on my CR anymore and I WAS SCARED that they would reject if I applied but they didn't and I've had the card a few weeks now!
I also applied online last Friday, received the wait 7-10 day message. I called to speak to CSR, verified a few things and got an approval for $3000. I have 1 late payment 6 months ago due to mailing issues, 1 inquiry, and no collections. Only have a balance on my Amex One Card. Scores are below I live in NY so unable to help with your last question
PS....Oldest Account is my student loan in 1998