Just applied for my fourth, no instant approval but I did get the various additional steps (authorized users, etc). Haven't called but my guess is I just need to shift some credit around. Last one was July 1 and no other apps of any kind (from any bank) since so I'm relatively hopeful (knock on wood).
edit: Yep, shifted some CL around and was approved.
Last edited by txflyer77; Jan 4, 2015 at 1:11 pm