<prompt> Human: Got denied on the U.S Bank credit card application, how is that possible? I consider myself have excellent credit 750 history. Always paid off balance in full, no late payment. This is ridiculous!EDITED with above average income, have credit card from BofA and Amex  <response>: Each bank has their own underwriting requirements, you may not have been denied for any obvious reason. You will receive letters in the main explaining why you were denied. Those letters will also explain which credit reporting company provided them with your report, and because the banks took adverse action against you denied you credit, you are entitled to a free credit report from the company they used. 