Hardest credit card to get (excluding the obvious)

[NonSufficientFunds]

I would really like to get the Brown AmEx from Harrods, but I don't think it's available in the US.

https://www.americanexpress.com/uk/content/harrods-card/

[red259]

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@NonSufficientFunds wrote:

I would really like to get the Brown AmEx from Harrods, but I don't think it's available in the US.

https://www.americanexpress.com/uk/content/harrods-card/

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Yea, I doubt this available in the US. Kinda neat to see a brown amex though. 

[dominow]

i hear diners club is a hard one

[B335is]

Anything from US Bank is next to impossible for me to get

[dominow]

i got the 'letter' message from us bank 2 days ago

[B335is]

Theyre the only bank I know of that sends a card 2 weeks after they send a decline letter. Just not to me lol

[Exonumist]

Any of the cards from Penfed can be pretty hard to get. Even people with perfect credit often get denied due to "pyramiding debt". Just apply for whatever fits your spending patterns.

[longtimelurker]

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@NonSufficientFunds wrote:

I would really like to get the Brown AmEx from Harrods, but I don't think it's available in the US.

https://www.americanexpress.com/uk/content/harrods-card/

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What's interesting is that along with the Harrods card there is also the Nectar card.  Nectar points are offered by a variety of retailers, many of them just normal high street stores, quite a distance from the perceived luxury status of Harrods.   

[Open123]

For me, I think US Bank seems to be the most stringent.  My first card, they reviewed and interviewed me before approving it.

[grinlikechelsea]

PenFed for me.