I don't feel bad at all. I tried and you just don't win em all. I at least gave it a shot. But I'm not going to waste more inquiries on them, when it's very obvious they don't want my business.
They didn't give the reasons but I would take a WAG the reasons will include inquiries and new accounts at the top of the laundry list, then towards the bottom probably not carrying a high enough balance on a revolving line to suit their thirst for profit.
Let's see if I recall 3 times in 2011 and twice last year. Denied every time without fail. It was almost funny - in 2011 they first denied me for "not carrying a balance on any revolving" line of credit or something to that effect basically they didn't like 0 balance in revolving, so I let a small balance hit and applied again about 2 months later - denied due to "too many inquiries". At that point, I just laughed about the futility of dealing with a company like that.
Not even sure why I bothered except what you can't get is always sweeter, as the saying goes. But there comes a point you just have to acknowledge it's pointless. I think that point is now. If I was a smarter chimp, I would have figured that out last year, but as I said, at least this way I'll never look back and wonder what if!
So, guys, they have made it pretty clear they don't want me as a customer, and I accept their decision. I will look elsewhere for a new Mastercard product at some point later this year, ideally a World card. But I don't really have anything in mind at the moment and nothing that excites me, so it can be in summer or later and that's cool.