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When I applied many years ago, it was a 2 page, very detailed application. As some of the others have written, the bank is very conservative, their cs has been excellent, and the chance of AAs without cause are next to zero. Although I wasn't thrilled about the 7.25 fixed to variable (eff 10/1 for me), it's a card and relationship that I plan to keep ultra long term.
Starting Score: TU 766 EQ 788
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