Friend of mine is American and has been living in Japan for over 20 years. Has a Japanese wife, and he is vice-president of a language school (biggest in the city). He applied for a credit card from a gasoline company and got rejected (no reason cited). After phoning them to learn more why, he said they told him they can't divulge that sort of information.

So, it just goes to show, you can be accepted or rejected. Doesn't really matter. Go to the next company and try.