No derogs, 3 years of posotive history and under 5 inquiries in the last 6 months. scores in the upper 600's. but the main req's are derogs and inquiries....
You can apply for delta or Starwood and then change the card for the optima Plat or whatever credit card you want. Delta use to be easy. My brother was approved when he had a Mobil and Radio shack only and six months of cr history.
