If they're so bad why did you want there CC. Oh it's because they didn't give it to you because they are very strict that makes them bad? Listen to them if you want their cards. I've got 2 and my wife 1 and all were auto approved. I also have 31 CC's but I'll go 6 months with no apps and then do them 1st. You just have to learn the game, ignoring them won't help you.