I have no idea how the recommendations are made or why you were declined. The “hard check” in your credit file will cause a slight hit to your score regardless of whether you are approved or denied. Opening a new credit line will also lower your score, at least at first, since having more credit available to borrow makes you look like a riskier client to the next lender. (Remember, a credit score is just one tool used to help the next lender you apply for decide whether or not to advance credit.)