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I applied for a credit card and was declined. They sent me a letter saying I had deliquencies on my account and my credit score was 745. On their own website it shows my credit score as 818 and no deliquencies. I called to complain and get them to fix the problem and accept the application. They totally blew me off. Waste of time and energy. They should have to pay for misleading me about applying for the card and sending me false information about my account. Is this happening to everyone???