I'm seeing a few data points from folks I know that have been rejected or approved with a dramatically lower CL so it's not looking as great as I would hope

I use Bilt as my primary, but even I'm on the fence about renewing here - I guess they just think the # of Evolve cardholders is low enough (and their stranglehold over TPG etc. is large enough) that it won't matter if there's a few disgruntled ex-cardholders