I see all the "vets" on the board with probably 20 years of history, and getting "elite" cards like Amex, Chase, BofA, look like they are easier to get than us "younguns". I want to apply for at least one of those "elite" cards when I'm finshed cleaning up my credit soon, and was wondering if my short history (five years) would hurt. I guess my point is, how can you have a high FICO when you're young? And how do creditors (like the elite companies) view short histories? Interested in hearing from the "vets". Thanks.