Received an invitation from dmb to apply for their gold card with no annual fee.I have the secured card,this invite states credit line up to 5,000 but does not mention the minimum credit line.All it states is that the credit line will be determined later.Did anyone here receive this invite too?It also states that if you currently have a dmb card you may not be approved?I don't want to waste a hard inquiry if their going to deny me.What should i do? Thanks in advance!