So they did an inquiry on my credit (which will show up on my report) and I was still rejected for the card! This has me hopping mad, so I'm wondering what I can do about it. I have considered small claims against the bank, but I think I don't have enough document evidence to show that I was made a bad faith promise. I have complained to the bank itself, and they basically said 'thanks for your input'. I would like to complain to some ombudsman, or some other authority (in Canada - BC to be precise). What do you think? Isn't this a dishonest practice - to call up people who they know to have insufficient credit, and then damage their credit rating further by encouraging them to apply for credit they can't get?