Credit Karma says my approval chances are poor, but I received a pre-selected notice in the mail, I applied and was approved in 30 secs with a CL of $1800. My card and pin quickly arrived via mail in 7 days. I had a question about my statement closing date and called customer service. The automated prompts are super sensitive and pick up every bit of background noise and it kept errorinf out making getting to a rep a more annoying than usual but once I got to a rep they answered my question right away. If it was a rep in India I couldn't not tell. The rep was polite and spoke perfect English. Approved with 7 medical collections EX - 636 TU - 682 EQ - 666
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