Even though I have EXCELLENT credit (830 score), have worked at Dillons for FIVE years, and have NO oustanding debts to pay off, I was DENIED this card! When I called them to ask WHY, they told me to call another number. I called that number and they directed me back to the FIRST phone number called. Apparently, NOBODY was able to tell ME why "I" was denied this card, in spite of my having EXCELLENT credit and having worked at Dillons for FIVE years straight! My only guess is that they only accept "full-time" employees for cards, instead of "part-time" employees for cards but still. I will never, ever, EVER apply for this card ever again!