For me it's Discover and AMEX. I've applied to both and got turned down by both. Chase comes in at # 3 on my list for some reason. And that's where I do alllllll my banking.
I think anyone with what I call "fatal baddies" can in no way get either one of those 2 cards.
When all 3 of my FICO scores exceed 720 on a consistent basis, then I might consider app'ing.