Having been a customer for almost two decades, my experiences have generally been positive. Recently, I decided to apply for a store credit card after closing my account years ago due to inactivity. Although I was pre-approved, my application was unexpectedly declined. I still don't understand the reasoning behind this decision. I hold two other cards from the same underwriter without any issues. My rating reflects this experience and the overwhelming number of emails I continue to receive despite trying to unsubscribe.
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