Im glad to hear you have had great results with them, many people havent, they are notoroious for giving instant approvals and then at the last moment pulling the rug out from under them! In my opinion, they are unorganized and very rude! There is a ton of threads from various other finance discussing boards that hit home with this very topic! My words to you are, watch your back, they also will soft pull your credit periodically, they use Equifax Navigator 3.0 Bankruptcy scoring to keep track of their Visa accounts, any score drop of any kind and they have and will close your account! Best wishes!

I just got a new card through Digital Federal Credit Union. I done a car loan through them a couple months back and decided to try for their rewards visa. I was approved for $3000 with 650 ish score. They pull equifax.