I am closing my account and moving to another institution. I am a tenured customer(almost 20 years), I have a large savings account with them, an excellent credit rating, was never late on my previous car loan and paid it off 2 months early. They advised me they needed to pull my credit to qualify me for a lower interest rate after they verified I have an excellent credit score they told l me that I don't qualify because my loan is under $20,000 (the could/should have done this before making the inquiry and affecting my credit). I appealed to the manager who told me she sent it into underwriting but it was declined again for the loan being to little. I was however told by the original representative that if the dealership gave me a better rate to come back to them and they would try to match it (what????).