In the last two years my only denial has been with BoA, and the reason was specifically too many new accounts - this was with scores ~770s at the time.
Having substantial income or (especially) a significant deposit/investment relationship with BoA seems to make a difference as well (I have neither).
TL;DR... YMMV. 
@UncleB wrote:In the last two years my only denial has been with BoA, and the reason was specifically too many new accounts - this was with scores ~770s at the time.
Having substantial income or (especially) a significant deposit/investment relationship with BoA seems to make a difference as well (I have neither).
TL;DR... YMMV.
Even then it can be a coin flip. I apped for the Premium Rewards (arguably the hardest to get??) and it took them several weeks I believe before they approved my app and that was with Preferred status. Pretty sure they were weighing the number of accounts I had gotten even with my INQ low. So defiintely YMMV.
I don't think there's anything arguable, @simplynoir. That card is the only one I've ever seen otherwise very well-qualified applicants denied for other than something like Chase's 5/24.
@K-in-Boston wrote:I don't think there's anything arguable, @simplynoir. That card is the only one I've ever seen otherwise very well-qualified applicants denied for other than something like Chase's 5/24.
I got denied for the Premier Rewards card and I'm a platinum honors member. I believe the reason they denied me was because in addition to tons of new accounts, I had obtained the Merrill Lynch card just a few months earlier (got it for the $500 sign-on bonus right before it went away), and it was probably too soon for their liking.
I'm probably going to try for it again, maybe next month.
