I had a bankruptcy in my past, in 2010 due to a serious illness. They approved me in the 600's for a low credit line of about $1500 in 2015. Now my credit line is $8500, they raised it fairly regularly but my credit score is 750. I called and got approved for the signature visa. I also think they're nice and fair. I never had problems with customer service or long waits but have only called twice.