I have had a credit card with a $30K line of credit at Citi for 10 years - always paid in full and on-time. My FICO score is > 800. I paid my house off 10 years ago. I bought my car for cash. My credit history has been rock solid for 35 years. I have absolutely no debts whatsoever.
I am an employee of Chase. Given what's going on at Citi, we decided that it might be prudent to get another credit card as a backup, so we apply at Chase, and get turned down - because we don't have enough open lines of credit. Wha..? On inquiring, Chase first blames Experian (the rejection letter explicitly states that Experian didn't make the decision; Chase did). We're told that because we don't have at least 5 credit cards, we can't get a second. I ask for a manager. You can't speak to a manager; you have to follow procedure (this is definitely a JP Morgan Chase drone) and write a letter. I push and get through to a manager.
Then I inform them that I happen to be an employee of JP Morgan Chase. Oh, that's different. As an employee, they don't care about your credit report; you can just have credit.
So, with the exact same credit report, I am both entitled AND not entitled to a credit card?
I told them to shove their credit and that I'd just stay with Citi; given the $50B the government just gave them, it's unlikely they will be going away any time soon.
God, my employer sucks!