Update:
I wasn't able to verify my address back in September. I applied again the other day and was able to verify everything and got approved. I have no preset limit and am not required to link to my bank account.
I'm a Bank of America customer and really wanted a charge card after they announced their fees. Yes, there's an annual fee associated with the card but it's still cheaper than $60/year for using my BoA debit card and I get reward points and AmEx's customer service.
they didn't tell me my CS on the phone. My TU last month according to myFico was a 694 and according to Wal-Mart this month it was a 713. I have a CO from 2006 on my report and a closed card from BoA in 2008 that was a secured card and I wasn't able to pay it at the time. (Grad school)
I'm so excited. Thanks to myFico and everyone on here I've gone from No/Bad Credit to a Cap1 card ($750 CL) Wal-Mart card ($1200 CL), car loan and now American Express.
