u/repsmaybe22

Looking to apply for the AMEX Qantas Ultimate and want to maximise my chances after being rejected by AMEX twice in the last 24 months.

Current situation:
- $100k+ income
- High credit score
- Mortgage added within the last 12 months and one current credit card (Westpac), which I was already planning to close.
- 3 other cards closed within the last 24 months and 2 previous AMEX rejections
- Recently started a novated lease, not yet showing on my credit report

I’m wondering whether I should close the Westpac card now and let my credit file settle, or keep it open until after applying.
Does another recently closed card potentially make me look more like a churner, or would reducing my existing credit be viewed more favourably by AMEX?
Anyone who has successfully got an AMEX after previous rejections?

The cards I've held:

- 2022: ANZ credit card rejection and Westpac altitude

- 2023 NAB and CBA cc

- 2024: March AMEX rejection 1, HSBC cc (didn't go ahead with cc but it's on my file), CBA cc, 2024 ANZ cc, December AMEX rejection 2

- 2025: Jan AMEX rejection 3, St George cc, CBA cc, 2025 Westpac cc (still open)