So I applied for a JCPenney credit card online the other day. I wasn't really expecting an approval, because I currently am maxed out on my cards, but I got approved for $500 anyway!
They pulled TU and my score was 673. No lates, baddies, and I had 5 inquiries. I am pretty surprised I was approved, because my utilization is at or near 100% on all my other cards. I do have a history with Synchrony though, which may have played a role. I have had account with Gap, Wal-Mart, and Amazon I used, paid on time, and eventually closed. I am hoping for this card to eventually become a Mastercard, since I've been seeing so many upgrades lately.