I may be wrong, but I was thinking Optima was only offered if 20% of the amount you defaulted on was a minimum of $500. So you would have to default on at least $2500. I found this out when I called and asked the executive office about the program. I didn't tell them that I was going to pay my balance (i did that online); I just asked about the card itself and they told me what it was.
Starting Score: EX 568 | TU 569 | EQ 568 Current Score: EX 579 | TU 582 | EQ 570 Goal Score: EX 700 | TU 690 | EQ 680