If you have a very long history with a bank, however, that might factor into that bank's decision in giving you a credit card. Nothing stops banks from combini

If you have a very long history with a bank, however, that might factor into that bank's decision in giving you a credit card. Nothing stops banks from combining credit score data with other sources. As a personal anecdote, I avoided credit cards until age 31, but had a bank account with Wells Fargo since I was 16. Because I had no history, almost no one wanted to give me a card despite my high provable income. I got my first credit card with capital one (for a hilarious 300 dollar limit). But two months later after I became a known credit card user I started getting credit card offers in the mail from a variety of sources -- Wells Fargo offered me considerably more credit than the others, presumably because some system of theirs thought I was more trustworthy (long-standing account history? Actual visible income in the bank account?) They even offered me a rewards card even though I only had 1 month of history.