<prompt> Human: Sorry for the rantwall of text. I know this will get downvoted, but Im pretty mad right now and I need to vent.I have 3 rewards credit cards with CapOne, Chase, and local credit union with no annual fees. My total credit is 6,000. My average age of accounts is a little over year. I have never missed a single payment, and have never even paid interest I know this doesnt matter to the CC company though. I make 84kyear. No debt whatsoever.When I was 18, I had a hospital bill go to collections that I thought was paid by my health insurance. When I graduated college at 22, I applied for my first credit card not knowing about the collection account. Didnt know anything about how credit score worked at this point. Ended up applying for around 8 different cards when I wondered why I was getting denied for literally everything. I pulled a report and found the collections account. Paid it off immediately, recently got it removed from my report confirmation in writing, but now I had several inquiries. Great. At this point, I realized I had some serious credit research to do. Through a ton of reconsideration lines, eventually got my 3 cards that I have now. I started at 1500 limit across all three, but they have been raised to 6000 limit automatically over the last year.Its been about a year of me being financially responsible and not applying for any new credit at all whatsoever. Today I decided I had waited a good long while, and seeing as hard inquiries supposedly stop affecting your score after a year and Im not looking for any loans in the near future, that it might be time to apply for the super basic DiscoverIt card that everyone recommends for first timers, since they are running a year long promotion for double their normal cash back rates 2 on everything, 10 on rotating categories - wow!.I get denied. Cant believe it. I call the reconsideration line a few times, absolutely zero luck. When I tried to explain my situation, one guy from Discover actually laughed at me and implied that I am a liar. I could literally not be any more financially responsible than I am. I pay 500 in rent, and I save between 2500-3000 a month. Im not even one of those people that is obsessed with their credit score - Im just so frustrated with the FICO system. I know it needs to apply to 320 million people, so its not going to get it right in all cases, but I just wish there was some other way I could convey my credit worthiness. Now I have yet another worthless hard inquiry on my file that will hurt me for another year.  <response>: My average age of accounts is a little over year.Based on what youve described, this is the most significant factor. Acquiring yet another card, which will reduce this duration even further, will hurt your score further. 