Answer: -It is really hard to say as there are considerable factors involved. First off how close to limits are you? That is one count against you right there. Second age of account. If they are lessthen 6 months old forget it. Third is there any negative on your report especially recent? That will count against you.Fourth your score is not he best right now it is ok hopefully heading towards good. FICO scores can vary up or down typically down though from different lenders. The Score you paid for will probably not match what they pull. On average your score can vary by as much as 50 points. That to depends upon which score system is used not all lenders have adopted the new scoring sytem and some even contribute other factors into it. Just making an educated guess here nut your odds are about 30% chance you will get approved. It again depends upon the card issuer. There are some issuers that will take the lower score you have and yes you can still qualify for incentives. I would say try three places and see what happens if after the third it doesn't then you may want to pull your credit reports and review them carefully. -It's impossible to say. Try a couple of the big companies. Citibank is generally pretty good if you're marginal.You also might consider buying a slightly cheaper ring. $3300 is a lot of money for something like that, especially if it's all the cash you have.