I've been a customer with M&T for over 10 years. I have a checking account with them.
Granted, my credit history deems me totally unworthy of their credit products, but if they won't give you credit with your scores, they must have really stringent criteria.
I've decided to put them on my list of preapproved applications to trash when I reach the 700 club..LOL!
Connie
Future member of the 700 Club