I decided to apply for this card, because I kept getting pre-approval letters in the mail, and Capital One keeps denying my request to raise my limits on my 2 cards through them. The online application was easy, but I did have to call the 800# with a reference code that popped up because they needed to verify my address, SS# and birthdate over the phone. Within less than 3 minutes I was approved for $6500. The lady I spoke with was very nice.
Currently my scores are: Transunion 744 Equifax 742 Fico 712 I can't wait to take advantage of the great perks and interest free usage for the next 14 months. Thank you!