tardtasticx:richms: There is nothing wrong with it. You sound like one of those woman that assumes that there is something wrong with them when turned down for a date.
They will have a risk profile they are allowed to lend to, based on income, debt, servicing that debt, age bracket, where you fit on income in that age bracket etc. If you dont meet the criterias they have made they are _NOT ALLOWED_ to lend to you. Otherwise they would just become another hannover finance type thing giving money away to anything and then going broke.
The rules are there to protect their investors from too much risk in certain categories. It is really really really complicated how they will assess people into certain pools of risk, and if that pool is out of funding, declined.
Not really a similar comparison but i see what you mean.
I wouldn't read too much into it. It is not worth your time. But I have heard of people who have hundreds of thousands in savings, and they have been turned down for credit, because they never got credit before, and never had a credit card. Possibly also helps to own a house in NZ, as housing is seem as an investment that is too big to fail.