That's exactly my point. They don't have to give me credit but they have to give me a reason why they denied me (i.e. my credit is bad, etc.). If their reason is for the "5/24 rule", I would like to see written proof of it. If they had that policy written in paper or in the application terms and conditions even before I applied, I would understand. But there is no way they can legally justify denying you on an unwritten rule.
What if someone read their entire website, Chase reps don't tell you about it, and they had no idea about this rule. Not only would this denial negatively affect my credit score, but it also poses a precedent for any bank to say "we have unwritten rules that you can't know about until after you apply". I just don't see the logic.
This takes entitlement to a whole new level.
Where does legal come in, in regards to getting approved to cc approval ?!
You do realize that the bank, in a sense, is giving you money when they give you a credit line.
They can decide to decline for whatever reason they want, just like they can A/A you w/o giving you any real reasons.
Nobody asked you to apply for their cc's.
Fact is, that's their policy, and they can use it whatever way they want.
Just gotta deal with the reality, and that's it.
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