When I got my checking account at Caisse Desjardins last year, I requested a Visa Desjardins credit card to replace the one I've had with the Royal Bank of Canada, because the latter are in a really inconvenient location and I'd rather deal with only one bank. My request was denied, because they figured I was a credit risk. Somehow. I have no debts, I have never defaulted on anything ever, and I've paid any interest at all like twice in my entire life.
I just received an offer from Visa RBC to increase my credit card limit from 2500$ to 4000$. Called them up, no waiting, girl congratulated me on my credit history, and upped me to 4k with no questions asked. (I never rack up more than about 400 per month for living expenses and literally pay my balance in advance; most of the time Visa owes me money. I'm not even tempted to use all that credit. I just like having it on record that I'm hella responsible and shit.)
Still can't get a Visa Desjardins to replace it.
Long story short, I'd like to pour a bucket of microscopic perverts on banks so they can get fucked in every god damned pore.