I have, but not self funded reriree as not legislated retirement age. Never had a credit card and decided to spply for a 28 degree card for overseas travel, mainly to hire cars.
Was denied a credit card but was told if I got a statement of proof of income and statement of assets from a CPA, they would then consider approving a credit card. Such would have cost a small fortune (around $500).
Instead as my partner worked, we applied for a card in my partners name as the onus of proof was less and easier.
What annoyed me most is those living off investment income, including SFR, should be very low risk customers to credit card companies as such consumers demonstrate ability to manage their financial affairs, to gain their independent wealth and income. Such is ignore by the credit card companies.
They tend to use take home salary as the basis for decision making and not whether the individual has ability to fund credit card purchases ... either through household budgets or other income/assets.
I have heard of the self employed also having to jump through far more hoops as well.