I have excellent credit (even did my own credit score to double check and it was in the top 5% (over 95th percentile) I have a good job and own my home with a reasonable mortgage (can pay it in one weeks pay) The home is worth 3x more than the mortgage value. I was simply looking to increase my credit line with them from $1000 to $1500 to cover the expense of banking my new baby's cord blood. I can pay it up front but will loose the promotion of 12 months no finance charges if I do. I was denied the additional credit and told... read full review »