I applied for this card a little over two weeks ago w/ instant approval of $700 CL and my scores are slightly above 600 but no idea with the util was though. The card is OK but the interest rate on non Apple purchases is outragous...I think 22%. Needless to say I'm only using this card to pay off my iPad ($593 w/ tax) and I've already paid $100 on the card before my first statement. I do like that its 0% on the first 12 months on purchases $500+ and I plan on paying off the card in abt 6 mos or so.