Maybe I should have said "posting all the facts" first that way we can answer some of your questions about credit denial.

First, I will agree with you that many times creditors (not just banks) often extend revolving credit that can over extend the borrower. But that is not necessarily the creditors fault. Many times it is the borrower who requests increases and these are sometimes granted by the creditor if the borrower has paid as agreed and has not had any bumps.

As you stated before, the creditor told you that you were declined due to "lack of credit". I understand your frustration as I have myself been down that road. From experience, the only way to build good solid credit is through time, experience (meaning amounts borrowed) and repayment. There are other ways to provide credit worthiness besides what is set out on your credit bureau as well. For example, if you live on your own (or pay rent to parents), you can document your repay history with your landlord. Additionally, if you are responsible for untilities and/or a cell phone, again you can document (through billing statements and cancelled checks) on how well you have paid those obligations.

I didn't mean to offend you (my sincerest apologies) about getting the facts straight and we are all happy to offer our opinions to help better educate you about the financial industry.

"I didn't mean to offend you (my sincerest apologies) about getting the facts straight and we are all happy to offer our opinions to help better educate you about the financial industry. "

I wasn't offended. I just really don't understand credit very well.

I think the system is flawed. People can get more credit card purchasing power than they make in an ENTIRE year? What gives? I know it's the cardholder's fault for abusing it, but why were they given that ability in the first place?

"...but why were they given that ability in the first place? "

Because there is money to be made, and credit card companies are in the business of making money.