I received an invitation to apply with a code to enter from XXXX. This is a progressive and socially responsible company and, in addition to the credit card, it has a cell phone company ; I was a cell phone customer for several years. So when I applied, I fully expected to be immediately approved. In addition to being a former customer, I have a pretty good credit score, have not had a late payment in XXXX or more years. Also, I currently have several cards issued by their bank, XXXX. When I was not only not immediately approved but got the " we 'll let you know in 7-10 days '', I was kind of upset. However, when I did get the letter from them, it stated flatly that I was denied because I had had a bankruptcy in 2008. When I called and emailed XXXX, I got a generic answer. Of course companies are certainly entitled to choose who they want for customers. My concern is that they did not state, not even in the fine print on the offer that people who had bankruptcies need not apply. If that had been the case, as in the instance of XXXX, that asks that question before even accepting an application, of course I would not have bothered. So that 's XXXX thing I think that is unfair to consumers ( and I wo n't even mention the fact that hundreds of banks have had their own financial troubles! ) as is the practice of having different criteria in the same institution. I have XXXX cards issued by XXXX and they have high limits and low balances. So, in addition to the embarrassment of having been denied credit, I have the dreaded hard inquiry on my credit which I have so carefully reconstructed after divorce forced me into bankruptcy years ago. In the interim I have been able to buy a car and a home so this hurts. And it was not stated at the outset that people who have had bankruptcies should n't bother. Can uniform standards among these companies be established? It is bad enough that they change interest rates with impunity. 
