Had a big laugh last night when my OH was rejected for a Plat card! This is despite her stand alone 6 figure salary plus of course her implicit credit guarantee that comes from living with me for the last decade. The mistake, I think, was that they gave her a £21k limit for her BA Amex last year, and I should have reduced this to £5k or so at the time. No point in reapplying immediately as I only did it for the Cathay card and that closes next week.