I appd in December with a TU FICO of 670 and was turned down. I had maybe 1-2 inquiries, no CAs, a redeemed repo with lates from 2005, and two CC lates from 2002. Util was a little high at 50%. Seems like Util was a deciding factor. I can't remember details.
National City does not offer their products in all states. I am in DE and it was not available. I was declined for a PNC Business card in January with ~720 scores, but I think the reason was high debt... (I'm at 30% overall on my revolving accounts). They checked TU for me.