It may be good to check your records with the credit bureau or
what u call it. They have a (dubious) track record of having
messed-up and incorrect financial records and if the bank/cr card
co referred to that wrong info., they might be wrongly misled into
rejecting your application. Many ppl had written to the papers to
complain abt wrong records (including anyhow say owing ppl money,
bankrupt, etc.) and the bureau always blamed the banks for
providing the wrong info.
Anyway, don't bother with such invitations unless it's pre-approved
and free of charge.
