Here are the facts according to all three agencies:
25 years of credit history.
16 Credit Card (Revolving) accounts currently open.
1 Mortgage
Never once has an account gone to collections.
In the last 10 years one payment went 30 days.
No public records.
Current debt to balance available ratio is at 1%.
Same job for 6 years.
I currently use 2-3 cards a month but always pay off balances before (Around 1,000-2,000 monthly) I accrue any interest charges.
I've been turned down twice for a credit card the last month and a half. Both were from Chase and both cited Trans Union claiming:
"Few revolving accounts opened long enough to establish credit history"
"Not enough accounts opened long enough to establish credit history".
Any guesses why I'm being turned down?