SO had a Voice Rewards Card and applied for the Voice Low Rate Card. Instant Approval.
DP's-EQ FICO 687 (BK 5 yrs old)
31 or 32 INQs
1st card opened about 120 days
Has Savings with them
And I have not had coffee yet so I might be missing something-ask if I have.
Thing about this Approval that surprised me was it was instant with a 687 and a BK. The first one I had to write a Recon letter to get it for him.