I applied for the Total Rewards Visa just to get the 10k points for my December trip. My surprise when I was rejected. Seems they pull the credit report from Experian. I have been fighting Experian for over a year because they have the wrong information on me. They refuse to correct my credit report.They do not show any accounts in good standing for me and they had a few accounts that were not mine. I challenged them and they basically said "fuck you. I have a credit score of 805 with Transunion and 811 with Equifax. How can they can it right but Experian got it so wrong? No big deal actually, but it is strange.