I was instantly approved with an 810 credit score and almost two dozen open cards, low single digit credit utilization. Only one new card in past 18 months, and I am (now that I’m approved) at 3/24. One more data point. I buy into the theory that they are going easy on points and miles enthusiasts to suck us in from Amex and CHase. I did have one existing card with Cap One, one of my oldest cards that I don’t use for regular spending but have a small recurring monthly payment on. I’m sure that helped.