15 days ago I opened a cc w/ AMEX. I thought I did my research on which company is the best, boy was I wrong. I go to use my card for the 1st time lastnight & its declined. Ok... I call AMEX from the store and I'm placed on hold for 20 mins. Finally I speak to an awful women who tells me my debt to income ratio is too high and I have too many inquires. I pull my credit report once I get home I pull the one from when I opened the card and the most recent one. My revolving debt $100, my credit score increased from 738 to 740 and 96% of my credit is currently available. I'm looking at the same agency they claim they are looking at, I call to get answers no one gives me any sort of explaination. Since 2007 I have 6 inquires on my report 4 from auto loans and 1 from AMEX...go figure. I've never seen anythig like this in my life I'm pissed this company is ran by a bunch of idiots.. Not to mention I make close to 6 figures a year. You try so hard to be an responible adult and it does not even matter. I feel helpless.