So, to follow up on this, does anyone have any advice on building up a personal credit history for DH? He caledl the Chase recon line today and ended the call saying he'd never felt so inconsequential before. DH was approved for the Chase SW Performance Biz a couple of months ago, but got denied this week for the SW Priority because he "doesn't have enough credit cards". He's an AU on 3 of my Chase cards, has a Citi card, we've had a mortgage for decades, never any late payments on anything, both have 800+ credit scores...we're kind of laughing that he can't get himself a credit card, but it's also kind of annoying. Does he need to try to get another card from someone other than Chase? Could he just keep using and paying off the SW Biz for a period of time and then reapply for a different Chase SW card? We've never had to "fix" our credit before so we don't know what to do. Thanks!