The ones that have taken a forget and forgive stance with me (Discover, Citi, Macys) are very happy with the results. I don't know where Chase stands. I have never dealt with them on a straight up app. (I was sold to them.) Amex is the only grudge holder.
Yup. AmEx is in a league by itself.
I have heard, though, that USAA is very cautious with former customers who have defaulted. Do they go to the same extent as AmEx?