I decided after going back and forth, checking out forums to just go ahead and apply. I got approved instantly! I did the pre approval link and it told me I was good for the gold, the everyday, and the green. I decided to go for the gold (pun intended?) Experian 759, no baddies, 5 open cc, student loan $ 600, auto loan 18k, util 9%. I decided to go ahead and apply for the Everyday and wasn’t approved instantly but a few minutes later via email for 2k. So the only hit me with one HP. I’m not excited about the 195 annual fee but I’m excited to have my dream card!!