Here's the deal.When you apply online they first run Chex Systems.If you don't pass(more than two inquiries in the last 6 months) you app is declined. They save you the inquiry and do not pull CR at that point.The moral is if you've opened several bank accounts lately you will be declined.I also believe that if you pass Chex Systems but have low fico you will also be declined.Let's face it,this bank is a farm for future cardholders.They are looking for good prospects for their products and services and are not going to offer accounts to the less than average credit risk.That is my opinion.And yes I would love to have my Gold card back lol.Grateful to have a cobalt.
