Let’s be honest... 50 CCs opened in 7 years and only two kept > 1 yr... you’re everything a bank tries to avoid. No judgement here, simply fact. So as you pursue trying to get someone to look at your credit and override the initial decision, keep in mind that such a large number of accounts with such a short lifespan clearly indicates you’re a churner and that you’re only in it for the signup bonus, and that you’re wildly unprofitable to them. You shouldn’t be surprised when they act accordingly.