I did not get instant approval; I got only the dreaded "We need more time to process your account and we'll let you know by mail" response. I don't have a single negative. I have a mixture of seven installment and revolving accounts. My revolving utilization is less than 10 percent. I have four accounts paid and closed. My QSpace score is 728. Thought this would be a slam dunk and a good way to take advantage of 0% interest over the next five months. Guess I'll know whenever they let me know.