I had my eyes on this card for quite sometime. I was crushed the first time I got denied. When I received my letter, it said;
-the my debt to income ratio was high at around 47%, (so I paid it all off)
-credit not establish long, (about 2 years)
-account not paid as agree, (my only negative, but it is 6 years old)
-my credit score was I think 732 at the time, 1 negative (mentioned above) and everything else was in the clear.
So, yesterday I decided reapply and...!!!
Also, I tried my luck with the new Discover It as well...
I'm really excited as I worked really hard to clear my report for the last 7 years and the only credit card I had was a secured one by Wells Fargo. Here's to a new year of credit responsibility!!!