It's true,you have no past with cobalt.I just got instant online approval with account number and funding done.I'm perplexed because when they still had the secured optima the app specifically said any prior unpaid balance would not be considered for approval.This shows they are marketing this card outside of the normal blacklist system.A ray of hope for folks unable to make good on their amex past. I bet the normal rules apply for their banking division. I won't push my luck.Thanks,Dogman