So I tried doing two personals for my wife, the AMEX was approved instantly (interesting because I wouldn't have applied for it being that she couldn't get the *w recently) the visa was being processed. I just received an email stating: "Here's what you should know The application was processed by a credit scoring system that assigned a numerical value to various items on your application and your credit bureau report. The information did not score a sufficient number of points for approval. " Which I find surprising because Amex was the only one she didn't get approved for in the past!