Fredo you are the Man. if you apply for a Capitol one journey credit card, you will get approved instantly no matter what. I had no credit and I got approved. Also I aplied for a Discover credit card and I got approved as well. I fileed it out online and then I called them. They might change the rates a terms a little bit but you will still get one. This worked for me with 0 credit score and it should work for anyone else. I mean as long as you put in a good ammount of $$ per year. I believe at least 9,000 or 10,000. I don't remember the excact ammount that I was told.