Originally Posted by exigence

No idea as to whether the credit score would truly keep you from the account. I would say, though, that my JPMR (and I presume JPMRs in general) went to manual underwriting, so, I would think that although the credit score itself might raise an eyebrow or two, all of the things you just said would be taken into account also -- and be good reason to approve you for the card. Just my $0.02.