So many variables. My wife and I were both turned down by Citi recently because we have too much available credit with little use - and we have 9 cards between us. I closed one two weeks ago because it was coming up on the annual fee (and it carried a $17,500 credit limit), and had my credit limit reduced on the other cards so I can try again for the Citi card. I guess if you use the cards a lot it's probably easier to keep more of them on the books. This was a first for us and I'm not happy thinking I'm going to miss the 75,000 AA sign up bonus :-)