I am getting a little annoyed. I have established my credit history for a little over a year now with three solid credit accounts with great standing. I mean, AMEX has increased my credit from the original amount of $500 to now $5200 within a year, and Bank of America has done the same from $600 to now $2500, as well as another healthy Citibank, and the total utilization record is less than 20 percent.. Credit score is mid 700s in all three agencies and I've been getting flooded with offers recently..

I wanted to start colleting miles on cards so I applied for UA College Plus card and was denied TWICE. (Once back in July 05 and again this March 18th.) What should I make of this? It's not that I've been applying for credit cards all the time either..