Hardest credit card to get (excluding the obvious)

[Themanwhocan]

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@Open123 wrote:

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

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I walked into a US Bank after having one secured card for 1 year and no other credit history of any kind. They immediately approved me for $8,500.

Oh, and to stay on topic... get any credit card you want, as long as its a VISA Infinite

[phonic]

Ever since I established a good credit profile, the only issuer I've ever had a problem with was Barclays. Applied for the USAirways preferred card and got a decline. Forget why exactly, but I called the recon line and they did approve me right away with a $5k limit. I then immediately SD'd it since I just wanted the benefits. 

[takeshi74]

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@ghawdex wrote:

So, I want something that's a "Hard to get card" but one that may have some good benefits.

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Define "good benefits".  One person's "good benefits" is another's "useless features".  Rather using difficulty as a primary criterion, I'd always recommend finding cards that suit your needs/wants.

"Difficult" can also vary if you're referring to underwriting criteria.  One may have difficulty with obtaining a given card while another may not.

[-Wade-]

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@w003ptr wrote:

US Bank Cash+ because you can't apply online.

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If you call US Bank they can send you an email in which you can apply online !

1-800-444-1244

[dabossman]

Dang you wade, that might just pull me out of the garden that i've only been in for 4 days

[-Wade-]

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@dabossman wrote:

Dang you wade, that might just pull me out of the garden that i've only been in for 4 days

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I know it works I just called them yesterday and the banker said he could send an email or you can do it over the phone ))) sorry I wasnt trying to get you out of the garden also it is fixing to make me lost my spade

[dabossman]

i'm going to wait a few months tho, unfortuantely suffer the consequences of missing out on 5% dining and garden my SM 5k limit and wait to CLI my Amex BCE to above 5K so I can get the VISA siggy without a hitch.... 

[-Wade-]

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@dabossman wrote:

i'm going to wait a few months tho, unfortuantely suffer the consequences of missing out on 5% dining and garden my SM 5k limit and wait to CLI my Amex BCE to above 5K so I can get the VISA siggy without a hitch.... 

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The cash+ is a hard nut to crack!!! Yeah you need a 5k limit maybe 2

[dabossman]

got me licking my lips over here haha, but in 6 months i'll have 2 reporting cards with both over 5k limit and a raise at my job so i can have a larger income too

[dabossman]

and pay off my car loan for the pluses