I applied for this card online last week and did not receive an instant approval. Card came in the mail yesterday with my welcome package. It advised my limit was $300 and i need to establish at this limit for one year. I have no problem with this I will just make small purchases and enjoy no interest, free shipping, and free gift wrapping. Prices are high in this store but I love the professional clothing. They have great sales and I plan to shop during them. My CK score is 689 but I know scores lower than this can be approved. Look forward to growing my limit with Von Maur.