Hege - data suggests you are here with me in l-v, we should grab a coffee sometime
as for palladium and the requirements, its good if you understand the history of jp morgan and the origin of the select and palladium program. they use many metric and reports to determine eligability. they are not like crap-ital one were they go mainly off credit report and stated everything else. they are very thorough for good reasons. as for the requirements, they consist of many things from credit report, banking profile with chase/JP and other banks, profile with credit unions, public records, DTI, inquiries and more. Because of their long banking history they have become very good at speculating on... things. in dealing with them, i am impressed at the data they have access to, much more than other banks.
and keep in mind, you cannot go off hege's experience as his financial profile is interesting and he has prior relationships with the bank and other things including total household income... and he's good at massaging his credit in certain ways
so careful if you think you are getting hege's same process as... some banks really like him... heck.. AMEX is sending him preapps even after his time with them... good job hege... careful others... thats why you see YMMV here alot because everyone's credit profile can be similar on report but very different when you look at the whole credit and banking profile