12-21-2008 09:52 PM
12-21-2008 11:30 PM
I just applied at the begining of the month, and got it. Like everyone else, they pulled EX. At 647, that is definitely my lowest score. No lates, just a short history, high utility, new accounts, and more inquires than I really want to admit.
I don't know how closely they look over the credit report, but score wise I'd say it is probably worth a try.
12-22-2008 12:30 AM
12-22-2008 05:36 AM
November 2007 I applied (pre-approvals) for Phillips/Conoco and Shell and got a "wait and see" for both. Within a week the pin arrived and the card a little later.
You may still get it.