Okay the reviews are SO mixed that I'm going to be as DETAILED as I can be to help you make your decision. I read reviews for about 4 hours last night prior to making the decision, and maybe 2 reviews out of like 25+ pages made me take the leap. First off, I was approved for $1k limit. Took 30 seconds of the wheel spin, followed by a page saying, "We couldn't come to an immediate decision for approval. We will mail a letter to the address submitted on your application with a decision within 7-14 business days." I had read that so many people got e-mails not long afterward with an approval. Exactly that happened to me. I applied at 11pm, and got the approval e-mail at 11:30pm. You find out what your limit is once you create an account through the link provided in the e-mail. I did see the option to request a credit line increase once signing in, but you have to wait to receive your card to request it since it asks for a 4-digit code on the card. The hard inquiry will only cost you two points (IT TOOK ME FOREVER TO FIND THIS IN A REVIEW), and they pull Experian (ALSO TOOK FOREVER TO FIND). I kept reading that their lowest Experian score accepted is 660, but keep in mind I read some as low as 620's being approved... however I might bring it up at to at least 650 prior to applying, just my suggestion. So far the inquiry only shows up on Experian as of this morning. I'm 25 years old, 3 open collections totaling about $2k. Credit Karma scores are TU 653 & EQ 657. MyFico scores that I pay for were as follows when I applied: Fico TU 622, Fico EXP 663, Fico EQ 631. I know, pretty low right (for Amex, anyway)? Luckily Experian is my highest, and I do also pay for Experian, which matched MyFico at 663. When applying, I was asked for the usual obvious information such as name, DOB & social, along with annual income (mine is $50k), job's company name (auto repair field) and phone number. Job information was optional, but I decided to fill it out. Also was given the option to fill out which accounts I held such as checking/savings and it gives you a range of amounts to select in regards to your balance/savings. I selected the lowest balance range option, so don't be afraid to be honest. 10 inquiries on Experian, 4 of those within the last year. I have one auto loan in good standing since opening, I'm 24 out of 48 months in on that, and it's a high interest loan. I have two school loans totaling $15k, currently in good standing for 10 months, and interestingly enough I have 120+ days late on both those accounts (that was 2 years ago). They were on a deferment for a year after being that late, and then I began paying 10 months ago and those payments have all been made on time. My current total utilizaton is right at 30%, and my cards are as follows: Capital One Quiksilver $2.2k, Capital One Platinum $2.3k, Sony Visa (partnered w/ CapOne) $2k, Credit One Bank Visa $750.00, Ramona Tires $1k, FingerHut Web Bank $900. All of those accounts began at $300-$500 within the last 14 months, so I'm fairly new to credit cards. I have never been late on any of those accounts, and have been granted multiple credit limit increases on most of those accounts. In August of 2014, I was at a verly low 511, and that was with a high interest car loan in good standing for a mere 6 months. I was one of those people within the last 15 months, and I have turned around my credit for the better. You don't HAVE to high super high income nor a flawless credit report, high credit limits on current cards, nor a particularly exceptional Experian score to be approved. Just be sure that you have your current accounts are at least a year old, and that they've all been in good standing for a minmum of a year. I'm officially an Amex member, and I'm beside myself. I'll update the credit limit increase request after I receive my card and give it a try request one online through my account. I'll post it as a reply on this review. Hope this helped!!!