Hey...congrats!! Can you give me details on the Kay card? I am thinking of applying....I have 2 baddies related to each other from 2004 and 2005. Judgment and CO. I also only have 1 TL.
Starting Score: 615I applied in store,
I have a judgement from 2002, DC 2003 but not off report yet.
No lates and one recent collection from a Dr for 100$ that I just found out about.
I got a $6500CL and it's an instant approval. my scores were 641 and 650 respectively...(now they are 668 and 650 !!)
FYI my husband got approved for a $550CL and he had a chapt7 in Jan 2008...not even 2 yrs.his scores were 568 and 608 respectiverly (FICO not FAKO)
From what I understand this is a great TL to add, but also I heard if you do not use the card w/in 2 yrs, they will decrease your CL....
Good Luck....(I haven't heard of many people being denied this card) so GOOD LUCK!! 
Thanks! I will try it next month!!