To my suprise, I received an instant approval. My first one. I dont know what to do with myself. I have alway, always, always been declined or given the more processing needed message when applying on the net . Well one time I applied for Capital One and I was declined platinum and given classic card. They stated they needed to verify some information first, but will mail cards to my house. Let me add that I just paid off my balance of capital one and had 2 bank loans paid off also. OH HAPPY DAY!!!!!!!!!!!! Mike G.