So i have been rebuilding. Have few collections still working on , late payments from Student loans current TU score at 620! I had the nReward card for about a year with good payment history, $2k limit with $1,500 utilized. Decided to pull the trigger and try the Goreward card and got approved for $22k at %13.29. I couldn't believe it , i was thinking they might denie me! Is this official ? and normal?