Goldman Sachs is new at this. They are still working out the glitches. I got approved with an 850 credit rating but at a lower limit than my other cards (still way more than I’ll actually use).I applied this evening and was denied. It gave the excuse as "monthly debt obligations are too high given your income". I've never missed a payment for anything in the 25 years I've had CCs and my credit score is currently at 835. It's funny I get approved for any other card I apply for but I'm not good enough for this one.