I don'treally understand how credit cards decide who they want as a customer. Several years ago I applied for a credit card from CapitalOne 360 (I wanted one that would not change a fee when using it internationally). Even though I use my current cards a lot and pay them off each month AND had a ton of money in a CapitalOne 360 account that had been open since it was owned by Netbank, I was denied! I wonder if it was a mistake or if they though, nope, we don't want this person because they aren't going to run up cc debt.