...letter arrived today.
"we have determined that we are unable to approve your request because you have sufficient balances on your revolving credit lines and you have sufficient credit available."
Which roughly translates to, her util is a bit high...I think.
I cannot tell you how disappointed we are. Yes, I'll tell her to call and ask for a recon, but right at the moment, neither one of us can stand the thought of it.
Yes, that sounds like a denial due to high util. Bummer... sorry to hear. Of course, she can always try again when her util comes down, as it sounds like that's the only real problem that she needs to address.