Anyone else with a good record been refused a CC by MBNA?

I was refused by MBNA a (good) few years ago, had a perfect credit record at the time (I check every 1-2 years) and low but acceptable income. They declined to tell me why I had been refused; I presume the rules were different at the time. Said I'd mention it for statistics.

Delighted I wasn't approved of course, given what I've heard about them. No credit cards left now, paying them off and shredding the cards was the best decision I ever made. Yay for debit cards.

adam