They said their policy is that they generally approve with a score of 680 or higher. Mine was only 644. They said that having the Blue card did count for something, and that they probably could have overriden the denial except that they allow a max. of 6 inquiries in the last 6 months, and I had 9. Correct me if I am wrong, but about half of those inquries were from when I was getting my mortgage. I thought they were supposed to count inquiries for a home or auto loan as 1 inquiry? Anyways, the rep suggested I wait until some of the inquiries are more than 6 months old and try again.