another bank secret now have you ever been denied credit did you apply for something using your social security number and age or the company said no well how rude given the fact that the entire consumer transaction is predicated on your unlimited credit how route here's the code title fifteen subsection sixteen eleven false and misleading the now of my old grade yes and for extra extra sauce x to speak to the underwriter and give the underwriter that code see what happens tell the underwriters you want indistinct of all of the factors that were involved in this consumer transaction is not a credit transaction it is a consumer transaction because you want it to access a portion of your unlimited credit