Absolutely right. they honestly search for reasons to deny someone. I mean come on too many inquiries they stated for me when I had there card They made a killer off of intrest from me. Also congrats on getting there master card. I am really shooting for the store card even if master card is better. I am a heavy shopper at best buy. Also you mentioned that your charge off jumped 60pts once it got off your report I hope that will happen to me in the 4 more years to come Hopfully