My son is a mechanical engineer - new grad 1.5 yrs. He travels a lot and needed an increase in his credit limit. He talked to a rep and was declined. Keep in mind he makes approx $120K and has great credit. No other cards, only student loans and pickup payment. No other debt. The Capital One credit card company would not even work with him. He changed companies and has had no issues and has more credit - and pays them in full every month. My husband and I followed his lead and changed ours also.