Does MBNA Have a “5/6 Rule”?

We are going to escalate Mbna problem to the ombudsman . Great credit over 50 years then cancelled an Mbna card after phoning in to confirm nothing more was owed- confirmation provided. Next I found out TD refused to add to my L.O.C so I called Transunion and they stated the Mbna was the problem! Next contacted two Mbna agents one a supervisor and both told me they would fix this issue immediately and it would be totally wiped off of Transunion. Nothing was ever done! This is an ongoing nightmare preventing us from getting any new credit products. Any thoughts?

My first experience with MBNA was a nightmare. I am on a work visa (some banks are very conservative to non-PRs or non-Canadian citizens). I had 2 cards with 5-8 years of credit history when I was a student, made payment on time every month. But I had 2 closed derogatory accounts w/ $0 owning from speeding tickets that I did not receive due to relocation (paid immediately after I found out, thus the $0).
In January this year, I received a Tangerine card. Around the same time, I applied and was denied for the MBNA Amazon card. When I called the credit card department to inquire, they simply approved it with $1000 credit on the phone.
However, for some reasons they performed another inquiry on the card in March, and froze my card on “potential fraudulent activities”. I was asked to call in from work to verify my identity. I work at a big insurance company, my outgoing work number is different from the actual work number that people call me at. They would not unfreeze my account because of the different number.
I was not able to access my credit card for a few months, in the meantime, we transitioned to work from home. I called again to let them know that there is no way I can call from work now. They proceeded to ask why I had so many inquiries (well, you did 2 pulls on me). I said that I just wanted different cash back categories. They instead called HR at work and was able to verify my identity.
I finally got to use my MBNA card. But the low credit limit and the hindrance caused by their fraud investigation left a bad taste in my mouth. I want to apply for the Alaska WE, but I think I will take a break for now.

This helps to answer my question on why I got denied!

I think something like that happened to my wife, she was denied because she has sufficient unused credit on her other credit cards. At the time, she did have two Amex, one RBC aswell as a PC open which are all but one just laying around unused after we claimed the sign up bonus.