Observations

never in my life did i think that i would be turned down for a credit card. i could fill a dumpster with the number of credit card offers i get in the mail each week, and the one time i actually try to apply for a card, they say no? today i tried to get myself a target visa card, to separate my personal purchases from the purchases doc and i make jointly. i was turned down, and offered instead a target store charge card, which i have no use for. i pulled my credit reports; they’re spotless. i have only my mortgage and one credit card on them. my debt consists almost entirely of my mortgage, and the debt that i do carry on my credit card is extremely low. up until recently, i’ve paid my entire balance every month without fail. i have no negative credit history whatsoever. i can’t figure this out, for the life of me. my only theory is that perhaps i’m TOO GOOD… in otherwords. because of my history of faithful payments and paying off my balances, they wouldn’t make any money off of me in finance charges or late fees. what do you think? any other theories?