I have a FICO credit score of 777, an annual gross income of $170k and have over $150k in CD and other investments with others banks. I applied for a $10k line of credit from them and was rejected on the grounds that my credit history is too short (it's 7 years). I'm still getting over the shock and looking for more information but they won't answer over the phone and it looks like a dead-end. My advice? Save time and don't taint your credit report, go somewhere else.