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Perhaps we'll have to agree to disagree, but I'd argue that they do deserve it. If you're engaging in behavior that decades of historical data shows as correlating with a slight risk, then the system is perfectly justified in treating you as a slight risk. Why are you (the royal "you", not you personally Milligram) special?


Actually at the upper end you do get a lighter tap and it is for those same historical reasons. A person with a high FICO and lots of available credit and one hard inquiry isn't as likely to be a risk as someone with a low FICO, close to their limits, and one hard inquiry.

Statistical history is the best thing we have to go by.
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