TheLethargicAge wrote:Hell, soon enough we'll see BearsAndTurtles posting here for all I know.
He should be able to provide first hand knowledge of what each lender says in their decline letter.
We recently reviewed your application for the XYZ Titanium card and after careful consideration, we regret that we are unable to approve you at this time.
The reasons for our decisions are as follows in order of importance:
1. Inquiries your 85 recent inquiries places you in the top .0005% of credit abusers
2. You are a moron
3. We think you'd use our card to post a retainer for a good BK attorney
You have a right to your credit report as a result of this decision.
We appreciate your interest in the XYZ Titanium card and hope to serve you one day"