- Centurion Member
- Posts: 4060
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
It isn't an easy card to get. I don't know what your roommate's credit history is, but I think it has higher credit standards than any of the cards I have.
I've never applied, so I've never been approved or gotten a 'decline reasons' list. I have heard they want to see a clean history of a few years with 4 or 5 prime cards.
Edit: A quick review of credit pulls shows very few applications with FICOs under 700. A lot of people applying for this card are in the 750-800+ range
Also, some people have succeeded in opening a lower-tier card and later PCing it into a Cash+.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech