I applied once I got my personal target score of 710 from transunion. With that in mind, I am arguably a new borrower; I have three credit cards, all paid on time, but all under 2 years old. No other debt besides a student loan of 800 that I have deferred. And my utilization is typically less than 20%. After completing the application I was immediately denied, but after reviewing the disclosure, I was denied with a score much lower than is reflected on CK! I call and speak with a representative who said it was unlikely to be approved even if I faxed in documentation of my score! The whole conversation was very halfhearted, and unhelpful.