Yup. Better go ahead and apply before the deadline! To be truthful, I lied during my credit application(about my income). I had no credit at the time and got a 1000 limit with capital one. I had an annual fee, but didn't mind. I love capital one now, as they are the only ones who gave me credit. The rest...can go to [Edited]. Well except for AMEX. My next goal.

Re:
https://www.financeglobe.com/Finance/Articles/articles/338/1/Bankers-Say-in-February-Credit-Will-be-Difficult-to-Obtain-for-Consumers-Under-21/Page1.html