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I have. Sometimes they'll decline you if you've recently made a large purchase (car), even if your credit is otherwise perfect. I've also been declined by mistake. I never get department store cards, but getting a Sears card allowed me to save 20% on a $1500 washer/dryer set, and not have to pay it off for a year. Sears declined me outright! It turned out one of the credit bureaus had zero information on me, like I was a kid or something that hadn't bought new cars, etc. A few calls straightened things out.
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