Most true not qualifying are either

1. People with proven bad credit.

2. People asking for a lot of money without proven good credit.

3. People asking for more specialized credit, such as lines for businesses or lines for high earners.

The question is what percentage of overall population are 1, 2 and 3 combined, and is it big enough to warrant the perception that high reward cards are only for high earners/spenders.

My instinct says hell no, not even close.