<prompt> Human: My wife and I just got Amazon Prime earlier in the week, and we know if you have an Amazon Store Card or Credit Card you get 5 back on all Amazon purchases. So we decided to apply for a store card instead of credit card because we have enough other cards with better benefits, we were just going to use it for Amazon purchases. I submitted our application for the store card the night we got Prime and we didnt immediately get a response back even though say said most application were instant, which I guess should have been a red flag but didnt register in my head.Fast forward two days and I get an email from Synchrony Bank, saying they are unable to approve my request for the following reasons: LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED. The only other time Ive ever gotten that message was when I was applying for my first credit card in college -- it was a student card from Chase I think and I had zero credit history, it sort of made sense, but not really since they advertised it as a student card. Finally, at the bottom of the letter they tell you they used Experian and that my credit score was 805. Im so confused at this point, so I do some digging.My Discover card give me a FICO overview every month based off Transunion so I decide to take a look and this is what it tells me:FICO Score: 812 Total Accounts: 6 Length of Credit: 6y 7m Inquires: 0 Revolving Utilization: 10 Missed Payments: 0 I know FICO isnt amazing, but it should give you a rough idea of your standings. Everything was green, meaning good, except for the Length of Credit, which was yellow, meaning a fair rating. And theres the answer, not enough credit history. The mistake was applying using my name instead of my wifes. You can stop here if youd like, thats the answer to why I wasnt approved. If you want to keep reading Im going to explain how messed up our credit system is...In two months well have bought our house two years ago. We got our loan through the same guy as my wifes two sisters and dad because he gave the best rates and he was an honest guy. He ran our information and the rate was going to be a point and a half higher than the lowest rate he had been offering to some people. So he asked if he could run it again with just her on the loan, because he was sure we would get a better rate. So we say sure, run it again, and it was lower. It was at this point I started to understand exactly why the housing market crashed in 2008. Because I was half a dozen points short of being in the next credit score group it was going to cost us 1.5 on our mortgage. The bank would rather give out a 250k loan to one person making 55k with an excellent credit score than a married couple making 105k with excellent and very good scores. What was the difference between our credit scores? I had student loans and she didnt. I actually had a longer credit history at this point because student loans started my freshman year and I applied and was approved for a credit card before her. I have one more curve ball for you though: it was cheaper for the house to be titled in my name. W-w-what? Yep. For home insurance purposes, I was cheaper to insure than my soon-to-be wife. So heres our combined overview: Combined income: 130k Me: Credit Score: 805 Student loan 1: 32.5 paid off. Paid ahead 3 Student loan 2: 56 paid off. Paid ahead 23 Discover Credit Card Citi Credit Card Car loan: 2.2 years left Her: Credit Score: 820 Mortgage: 28 years left Car Loan: 2.3 years left Bank of America Credit Card Costco Credit Card Target Store Card Joint: Macys Store Card I cant get approved for an Amazon Store Card, but Im sure my wife could since most of our big things Mortgage, Citi, Costco are under her name and she just got us the Costco credit card a couple months ago. Our credit system makes no sense.Update: applied for the Credit Card as suggested by ucmcguigan. Approved instantly... Im so confused what Synchrony thinks they know versus Chase.Update2: My wife has informed me the Citi card is open under my name and the Macys card is joint, which only adds more to my credit history.  <response>: Synchrony Bank actually doesnt like people with good credit.They like people who pay interest, pay late and generally become profit centers.Their reason is obviously bogus but is what it is. 