1. on the internet( i don't think it's instant) 2. in the store (instant approval I'm guessing) 3. call their 800 # (instant approval) 4. send in an app. ( they sent one when I requested a catalog online). I have heard that they are easy to get, and according to credimania.com they use trans which is my best report. I have 3 negative items and clean history for the last 2 years. Should I wait until Dec.? I've heard that it's easier to get these type of cards around the holidays? The reason I want this card is so I can start collecting nice simple jewelry (for christmas parties, job interviews)in addition to another positive credit line. Sort of an investment. Any input would be helpful.