11-18-2013 03:40 PM
I think it all depends on the specific lender's UW risk model. PenFed, Simmons, Iberia Bank, Commerce (to name a few) appear to have some sophisticated algorithms that flag a "pyramiding" pattern based on an individual's previous credit experience. As conservative as they are compared to other peer institutions, I'm thinking they're just not big fans of folks taking additional debt which may include BTs with other lenders. Yet, other banks or CUs don't place much weight on this but rather focus on abnormal utilization or overextension patterns.
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