Went in to Garrett State Bank this morning and met with my loan officer, and he approved the application as requested! $5000.00 starting limit, 14.9% apr, this is upgrading from the Classic Visa to the Gold! Credit score at approval was 676 TransUnion 04 Classic Model. He told me because of the type of card it is he needed to get 2 signatures to approve the application, one from him and the second one from the assistant vice president of lending.