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had a preapproval come up for me on my account page.....they denied without a hp (account was opened around a month ago) for this very reason. I have only even heard of this with penfed i believe, my util was 1% for two months back to back and reported high balance was 0 on all cards with one exception....that was a $58 balance
@juggalo9er wrote:had a preapproval come up for me on my account page.....they denied without a hp (account was opened around a month ago) for this very reason. I have only even heard of this with penfed i believe, my util was 1% for two months back to back and reported high balance was 0 on all cards with one exception....that was a $58 balance
Weird. The only think I can think of is maybe they see something on the installment loan side of your CR. Do you have any recent student or personal loans?
My understanding of pyramiding debt is using credit/loan to pay for credit, which does not fit your situation as far as I can tell (unless they see something on the installement side)