I applied for the MBNA rewards Mastercard and Actually got approved. I have another MBNA card {Motley Fool} that I have had for 3 months, but they pulled Experian today which has a tax lien that is being reported as released because it has been paid, this past June...4 months ago. Well they said that they would give me a $2000 card, however they reduced my Motley Fool card by $2000, which was kool. I just like the way they got creative to get the card in my hands. After a few months I will just ask for a CLI. I also had about 8-10 inquires over the last year as well.