For those of you following my saga, I have a new chapter. Please see "Good news on the AMEX quandry" and "The Never Ending Battle" for a background. My recent round of applications went to Discover, AMEX, and MBNA. Discover approved, and AMEX needed some convincing to approve. I called today to check on my MBNA application, and it was declined. I have some interesting points to make regarding my conversations. This was an important application to try and salvage, as I am not willing to put any more inquiries on my reports for a while. The following was all done with a very pleasant, but frustrated and disappointed attitude. When I first called, the rep said that I was declined, reason being credit too new to rate. Hah! I then asked to speak with someone about it, and they told me I had to request reconsideration in writing after I received my notice in the mail. So I asked for a supervisor, and the supervisor was a little more receptive, but basically said the same thing. She did try to call into the credit department to find someone that could talk to a customer. After she failed with that, I asked to speak with her manager, and she then managed to find someone in credit that would talk to me. The credit rep introduced herself as a bank officer. She was very friendly. As with AMEX, I explained that there were some extenuating circumstances that skew the FICO score. Right away she said that she was leaning toward approving it, but had a few questions. She mentioned that one of the reasons she suspected it was declined was because there was no history before 1994, and there were several accounts, such as CCB!!!!! I explained my lack of history being a result of living overseas for several years just prior to that (mostly true). But, I was amazed they were so thorough! This point about the missing history alone is worthy of discussion here. I then explained I was trying to consolidate all my "beer money" credit lines that I had been using to establish history into one or two reasonable lines and close those little cards out. I mentioned that there were some "new accounts" because I had a couple issued recently with low low lines. I did make one mistake. When she asked how much of a line I would like, I said at least $5K. She immediately approved me for $5,500. I should have said $10K. Oh well. Score this round: Eric-3, Banks-0. Credit basis: 10 odd lines, 30% balances, 58 months history with *0* lates, no other derogatory info, $90K income. The addition of this line allows me to cancel a few more sub-prime cards and still maintain my low balance-limit ratio with my monthly expenditures, with less open lines. As usual, I make these posts to give people the inspiration to sustain the patience it takes to rebuild, and to offer insight into the credit evaluation process.