Wife got denied for "too many accounts" although she is only 3/24. Reconsideration rep wouldn't even give her a chance to discuss options on opening the card such as reallocating credit or closing another one of her accounts. Rep was quite rude to her saying "Look, you got denied and that's the end of story. There's nothing I can do for you." She's pretty shook up by the way the rep talked to her and will try to call again tonight.