It has always been my experience that the accounts issue by WFNNB have a better approval rate when you apply in the store for instant credit. I don't know why that is, but I have Express, Lerners, and Victoria's Secrete.

Express & Lerners I had since the early 90's, but VS I applied for in the store, and received an approval. This was last year, and my credit then was nowhere near what it is today. My score last year had to be in the low to mid 500's.