Keep in mind, though, that they have three levels for the Visa: Platinum, Gold, and Classic.
The rep I spoke to told me that if I didn't know which one I would qualify for, then I should apply for the Platinum because if you're not approved they will go down the chain and see if you qualify for the lower tiers, but if you apply for the Classic they won't go up the chain in the other direction.
And no I haven't applied yet. Still waiting on EQ. What are they doing over there all day???