dubdubhall

I was approved on 6/24/11 for a $2500 limit. Credit Karma had rated my chances of approval for this card as GOOD. My C Karma score was 706 (764 VantageScore). I had 17% open credit utilization, 2% debt-to-income ratio, 1 derogatory remark  (bankruptcy 8 years ago), and 4 years/5 months avg. age of credit lines. My report card scores were A's on everything except for a C for avg. age of credit lines and a B for derogatory marks. The online application took 2 minutes to fill out and 1 minute to approve. I did have to call a service rep to finalize the account set-up (for security), but that only took a few minutes too. The initial APR is 3.99% for 15 months then goes to 22%.