I tried applying for a new credit card, as the only one I had strangely jumped from 2% to 35% APR unexpectedly, without any reason I could tell, and customer service was unhelpful. I plan to cut the current one and replace it with another with 12-15 months with 0% APR.
But each application I've made they've rejected. When I took it up with management, they said Experian checked my credit, didn't like what they saw. But (a) I haven't missed any payments since ever and (b) my own credit checks reveal I have a FICO score of 850.
Are there some other variables besides the FICO score Experian would reveal that would make them reject a card application? I used to get credit card offers in the mail daily. Is there some reason I can't even get a credit card now?
Update: I confirmed by creating an account with Experian that my credit score is very good and that there is no unusual or suspicious activity affecting my credit. A car dealer also showed me scores from all three companies. Not all at 850, but three scores were all quite high, each near the maximum on the scale.