I was approved for Patelco Classic with $3500 limit about 10 days ago. I called today about $2000 loan, and I was approved. The CSR stated, "I didn't pull another CR because you just had one pulled." She then said, "I noted you actually qualify for a gold card with 8.9% APR and a higher CL. Would you be interested?" I told her I sure would. Bam. Approved. Now that's service. I've have been banking with BOA for years. Notta!!