I'm probably going to wait a bit. I'd like to get my util down a bit more. My scores are in the mid-600s too, and I don't want to get this card with a shoddy limit, so odds are I'll wait. But I love my CM account (the only bank I use now) and my 401k is there. I got a letter from them to apply a few weeks ago hence the temptation. In a perfect world I'd get approved and transfer my balances over and that would be perfect, but that's probably a long shot.
