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Here are five strange reasons why a lender can reject you: (MORE: 10 Ways to Improve Your Financial Health (Even If You Only Do One)) You have no debt.

Maxine Sweet, vice president of public education at Experian, says this often trips up Baby Boomers and older Americans.

The first thing you should do before trying to get a cell phone plan without having a credit check is to know your score.

Your score might not be as bad as you think and you might be able to qualify based on your current credit.

You've been saving up loyalty points for months, and yet you're still a few thousand points shy of what you need to cover that upcoming vacation solely through rewards.

If that describes your situation, or if you are simply looking to earn miles quickly from scratch, there are some tips to follow.

Otto’s story does have a happy ending, complete with a plot twist: A computer error led to her rejection on the grounds that she was too to apply for credit — the application program wasn’t set up to handle her actual birth year, so it assumed Otto was born this year, not in 1912.

(It’s not legal for a lender to reject someone because they’re too old.) But there are some equally peculiar reasons why a would-be borrower can be denied a credit card — only these are perfectly legal, and trip people up all the time.

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