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Blispay was the first card I applied for last week to kick off my app spree and I was declined due to "debt obligations", I assume they're talking about my school loans. I called in for recon, but after 2 days I called back and the decline stood for the same reason. Funny since I applied for 5 other cards right after and they were all approved with great SL's. Just through I'd share. They pulled Ex, which was 722 at the time with only 4 inquiries in the past 2 years.