I didn't read the reviews before applying for the card, and having done so I'm not entirely sure how I managed to be approved for it. My credit score is only fair (650). While I make a solid income nowadays, I lost all of my savings in the wake of a failed small business amidst the '08 recession, and was also unable to pay off a rather large amount of credit card charges. I couldn't get *any* variety of credit card – aside from the ones for rebuilding credit – until about 18 months ago. And yet I was just approved for an Alaska Air card with a $15K credit limit. Considering folks with nearly perfect credit have been turned down for it, I can only assume the deciding factor was the fact that I have MVP Gold elite status on Alaska. Still, I'm certainly not complaining!! VERY glad to once again have a miles-earning card, considering how much I travel (and I recently migrated from AAdvantage to Alaska Mileage Plan since Alaska joined Oneworld & they're one of the only remaining airlines that don't have a minimum annual spend to earn elite status).