Originally Posted by navatwal

So I got the declined letter in mail today:

The exact reason being:

"Our records show that you've already established the maximum allowable number of this product with us - Please let us know immediately if you did not apply for or receive this product previously.
A credit bureau report was not used in making this determination"

I have had this card twice in 4 years - trying to understand if there is a hidden policy in place.