I applied on 03/13/14 and was not instantly approved. ?I waited till the next morning and called the reconsideration line at (888) 245-0625, the CS Rep was pleasant on the phone and informed me that in order be get approved on this type of card, you MUST have a credit line close to 5k. ?I'm new to credit with and my income is 35k, current CL is $1500 with CapitalOne, CK score at 695 (FAIR), UTILI at 7%, and no public or collections records whatsoever. ?I only applied for this card because of the rewards, and that Credit Karma gave me the false impression that I'll get approved (based on approval odds -GOOD-) If I had known of the $5,000 CL requirement, I would have not applied for this card because I have a new hard inquiry on my credit report. ?SO BEWARE... before applying for this card or any future credit cards, call and ask for the required CL or do some research prior to avoid getting DENIED. ? Also, if you are trying to build credit fast, DON'T DO IT BY OPENING multiple cards within a year because that will lower your chances of approval with other lenders. ?This is based on experience because I am that guy who wanted a higher limit quick, but don't wanna wait. ?Lesson learned. ?Just sit on your current credit card and keep UTLI below 20%. ?Pay your bills on time and even if you max out your card, pay it down or all by the date and your UTLI will report below 20%. ?I have maxed out my credit cards ($500 CL) each and paid it down. I would leave one at zero and the other with a $20 balance. By doing so, I am increasing my credit score faster and quicker. ?Another thing to get approved is the HISTORY of credit. ?Having a history, paying on time, no derogatory or collections will help you obtain that high credit limit. ? Hopefully this helps.