Applied today and was immediately approved for $20,000 credit limit.
Some data points that might help others:
Overall utilization 2%. Largest utilization 69%. 4 credit cards with balances (2 less than $100). FICO Experian (from Wells Fargo site) 795.
Last year I was rejected for Active Cash card. Reasons given were too high balances (my maximum was 72%) and too many accounts with balances (I think I had 11-14...mostly small rewards deals for small purchases.)
Another point of interest...when I did the prequalify at Wells Fargo, when I denied access to my location with the popup, no cards were listed. When I did it again allowing access to my location, 7 cards were listed.
