I'm in WA and they pulled EX for me - my lowest (639). Hoped they would pull EQ. Anyways, declined in store approval, got a letter in the mail with no reason - but stated if I wanted to know I would have to write to them and request it.
9 inq for cards (Good cards, only 2 are retail) and that was the only denial. I bought the memory I needed for my mac using one of my other new shiny credit union cards. haha
Yesterday I took my niece school shopping and the Gap asked me to sign up for a new card. I did and got a nice limit - so it was fun to shop with the 'instant approval'.
Here I was explaining utilization to a 9 year old. I'm hooked!!!! haha Good luck!