I got denied for two Discover cards, but got an offer for the HSBC card and took it. I also was denied for an American Express One. The reason given was that my privilige to pay over time was suspended on my other Amex's (a Green and a Platinum) which I didn't even know about. In the past 12 months I pushed like 70,000 through the cards and PIF before the due date, so I don't know what that's all about. Technically I recon'd in writing at the same time as I questioned the restrictions they put on there. Not expecting them to budge, considering they like making no sense. In total app'd for five cards I think, and I got two, am waiting for one to let me know (think I got it), and got denied straight up for two. I am done for a long while.