Rejected - Again!

Citibank - Rejected!
Standard Chartered Manhattan - Rejected!
ICICI - Rejected, Twice!
ABN AMRO - Rejected!

I just can't understand what kind of credit rating algorithm these banks use. Must be something to do with numerology. I'm almost certain my name numerically spells out 'Bad Debt'. What else could be the reason that my colleague - with the same amount of work experience, same salary, same number of months residing in NCR, same organization - got a Manhattan and I did not!

Earlier, I did not want to apply for a credit card to a bank that had my savings account. The reason, you see, is simple. Credit cards - being the insanely insecure things that they are - are bound to be misused. If I don't want to foot a credit card bill for a purchase that I haven't made, it becomes a tad difficult to be up against a bank that has my savings account. You don't want to give this Rs 10,000 bill - poof! there goes the money from your savings account!

But when none of the 'other' banks wanted to give me a credit card, I had to finally apply to ABN AMRO - which btw has my salary account. And as usual, after verifying my date of birth, residential address, my residential phone number at 7 O' clock on a Sunday morning, my mother's maiden name, my dog's name, my underwear colour, etc. etc. - today I come to know that "We're sorry to say, but your application has not been passed from our side. You will soon recieve a letter from the bank stating the exact reasons for the same."

I think I should change my name to Saurrrabh 'Pays-All-Bills-On-Time' Naaanda!