XXXX XXXX rejected my XXXX Credit card application stating too many credit cards were opened during last 2 years as per Equifax. As far as I know only XXXX credit cards were opened and I usually carry a XXXX balance on all my credit cards since I pay them off right away. As an example if I make a purchase today from my credit card then I pay it off today or tomorrow and my credit score is over XXXX. I am not new to XXXX and already had a banking relationship with XXXX for last XXXX years and own a credit card from XXXX as well which has a XXXX balance. XXXX publish promotions online which I called a bait to attract customers like me reject them giving XXXX stories. I believe I was treated unfairly due to Equifax report and approve my credit card application ASAP since I have a good credit history for last XXXX years.