Usually when i hit the LUV button i get the 2 day review and not enough experience answer when denied , i ended up getting the CLI last week but just received a letter in the mail for the previous denial saying denied for RATIO OF MONTHLY PAYMENT TO INCOME (DEBIT BURDEN.. What exactly does this mean when i apped i put monthly housing etc as ZERO as my wife pays it and i take the other bills, i only put my income 57K i didnt include hers of 82K on my app. Total exposure 41K , discover limit 18K now and utilization total usually under 3% on any given month.
