Horrible I don't understand why I keep getting denied for this card both credit karma and Experian have matched me with this card. I have a good paying job. Nothing in collections, no late payments credit scores 698,705 and 732 but I have tried to apply for this card about once every 6 months or so and always the same story a big fat no but I read the reviews and people with worse credit have gotten approved so I don't get what they are looking for and why I can't this is the one I really want.