lots of haters out there now in the FT world. i do see your points. but understand this...the reason and sole reason i was given by Barclays for not approving me was they were worried I could run up 150K in credit card debt and not fulfill my obligation. i told the csr to look at my history and they can easily tell that this has never occurred. so i told her that they should base their decision on facts and not what ifs, etc.

i was never told i had too many apps or wasn't using my Virgin America card enough. actually they thanked me for using it so much.

if they told me i had too many apps, which 12 in past year, not year to date, back to July of 2012, is not that many...i can understand.