Approved for Barclay arrival plus and had to recon d/t many inquiries after recent mortgage and a car loan 10 months ago. The CS rep can back with an approval of 10000 at 16.99 apr. I got the ca d today and the apr is 23.99 , I am using this mainly for the 0 balance transfer for 12 months, but still! TU 764 and UTi at 11% at time of approval