I think this is the worst time to apply for a credit card right now. I was just looking at msnbc an they where getting reports back that people with high credit scores where denied for credit cards msnbc also stated people with high credit limits don't be surprised if your credit limit is sliced in half evan with good scores an good payments history cause banks are just plan scared.
Starting Score 3-31-08: EQ 582 TU 577 EX 625 Current Score 3-19-10: EQ 703 TU 712 EX No Clue Goal Score: 800 By January Of 2012
I agree, I was going to wait to apply for a BJ's Visa with Juniper for at least another 6 months until my derogs fell off but in light of the declining economy I decided to apply earlier today before the banks get super stingy. I was approved for $800 which is a mere pittance of a credit line but at least its something I can work with!! I am done applying for at least a year.