My wife got a hard time from MBNA. Got denied from the start.
She called once and was told she had too many cc apps&cancellations. It was only when MBNA sent her an app for a PRE-APPROVED cc did she call and try again. The 3rd agent (a higher up I guess) apologized profusely that she had to jump through hoops to get the card.
I had no issues getting the card with more cards/cancellations and make I make less $.
Go figure.