I applied on line and was given a response of "The application was under review." A few days later I got a letter stating how happy they were I was part of their customer base and that I would receive a card soon. If I wanted to transfer a balance or use convenience checks call their 800 number. I received my card in the mail with a $16,700 CL a few days after that. Nothing fancy, just a very quick response to my application. I'm impressed. The interest rate is now 8%.