Charter One/RBS Denial

B335is · ‎03-17-2014

I'm not really surprised for the denial itself, but the only reason:

SUFFICIENTLY OBLIGATED WITH BANKCARD ACCOUNTS

I applied for this looking more for a relationship with a different lender. When I applied for the card I had 3 inq on my EQ. No score was given, but I have a clean file, 4% util around $200k in available credit - which I understand is a concern to some lenders. The letter does offer reconsideration, which I doubt I will pursue.

emptypockets · ‎03-17-2014

I think every so often, they use that as a reason. That's what AMEX uses to deny me CLI's, lol.

CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (3), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 786; TU MyFico: 799; EX (My Fico): 797

Ron1 · ‎03-17-2014

Sorry to hear! I didn't know they're hard to get. I got mine thru pre-approval mail.

Ron.