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I just applied for a airline credit card but I was declined with the reason HIGH RISK Status on my credit.
Here my current status:
I make over 40K with 13yr on my current job
I never ever make any late payment
NO mortgage payment
NO car payment
NO balance on my credit cards except for the one I use to purchase for everything and pay off at the end of the month
I have some credit cards with 12K-24K credit line rarely use and 4K credit line use to purchase goods every day for cash rebate.
My Credit Score: Equifax 807, Experian 813 and TransUnion 814
I applied LOWES credit acrd about 6 months ago.
Can anyone explain more why I was declined for a Airline Credit Card. The reason that I need a Airline Credit Card because I am planning travel more in the future
NO ...Theses are real my credit score
@TommyL wrote:I just applied for a airline credit card but I was declined with the reason HIGH RISK Status on my credit.
Here my current status:
I make over 40K with 13yr on my current job
I never ever make any late payment
NO mortgage payment
NO car payment
NO balance on my credit cards except for the one I use to purchase for everything and pay off at the end of the month
I have some credit cards with 12K-24K credit line rarely use and 4K credit line use to purchase goods every day for cash rebate.
My Credit Score: Equifax 807, Experian 813 and TransUnion 814
I applied LOWES credit acrd about 6 months ago.
Can anyone explain more why I was declined for a Airline Credit Card. The reason that I need a Airline Credit Card because I am planning travel more in the future
@Anonymous didn't specify how many cc's you have between 12K and 24K but assuming you have 1 cc @ 12K, 1 cc @ 24K, and another @ 4K, you're already at 40K...
EDIT: missed the "over" bit in income but I'm assuming your available CL are still pretty close to your income
I might be wrong, but the fraud prevention system might have flagged your application exactly because of overall "stability" of your portfolio and your usage pattern - if you haven't applied for a new card for years showing stable use on one of your existing cards, than there might be a huge risk of identity theft and someone else applying for the new card impersonating you. This is especially true if you tried to apply to some lower-tier card and/or card that might have immediate access line (e.g. to purchase tickets, like Amex Delta or Citi Expedia).
Anyway, what I've mentioned above is just speculation with that limited amount of information you provided, so you best shot might be to call recon line and ask what exactly they were concerned about...
What card or bank?
All credit cards balance is Zero. I pay off every month for the one that I use everyday for foods, Gas, books, etc.....
@jsucool76 wrote:
My only assumption would be that your credit lines are close to, or exceed your income.