My CreditExpert score is 773, so I took a chance and applied for the Everbank Platinum Visa. I just found out I was denied. The rep said she couldn't tell me why, but I would receive a letter. Right now my credit report is only showing about 10k of revolving debt on credit limits totalling about 105k. That is why my score is so high. I have about 15k more revolving debt, but those 2 companies haven't reported it yet (recent balance transfers). So I guess you need better than a 773 CreditExpert score to get the Everbank platinum card.