So last month I was FR'd and went thorough it no AA taken.. Still outstanding balance was around 80-90k between my personal plat and gold biz. I said what the heck I didn't apply earlier cus I feared an FR and now since I passed it what's the worst that would happen. So I finally got the denial letter.. Score was 711. They said current balance higher than usual payments.. I said hey by February I will have paid most if not all my debt off and have sockdrawer most of my cards so I will apply then.
