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barclays cld you because of 33% utilization?
thats just stupid and nuts. why give a cl and act nervous when someone uses it.
if barclays tries this funny business with me ill tell them i dont need them and good bye
That's terrible
33% overall or just on their card?
Weird, I used damn near 95% of my limit and paid it the next month and no AA here either. OP what was your overall util?
@LS2982 wrote:
Im thinking 33% overall. I have a little under 80% on my barclaycard no AA.
@Rhaeny wrote:Weird, I used damn near 95% of my limit and paid it the next month and no AA here either. OP what was your overall util?
@LS2982 wrote:
Im thinking 33% overall. I have a little under 80% on my barclaycard no AA.
I dont think Barclays gets spooked on util. on their card more than they do overall utiil.
@LS2982 wrote:
@Rhaeny wrote:Weird, I used damn near 95% of my limit and paid it the next month and no AA here either. OP what was your overall util?
@LS2982 wrote:
Im thinking 33% overall. I have a little under 80% on my barclaycard no AA.
I dont think Barclays gets spooked on util. on their card more than they do overall utiil.
That's crazy...AA at over 25% util? That can't be right, could it?
Every time I start thinking that the Arrival might be a good card for me down the line, I read something like this and am reminded why I don't bother with them - too much drama!
@enharu wrote:
More so than focusing on just the percentage, what is the dollar amount of the debt?
For example if your income is 100k, total CL you is 100k, and your utilization is at 33%, which means your credit card debt is 33,000. That's a lot of money owed solely due to credit card debts relative to your income.
Also, what is your DTI? Your DTI probably went above their threshold and spooked them off.
Based on his sig he's a student and has about $8200/$25000 on his cards and has a relatively new car loan. If he has a typical student income, I can see how $8200 might spook a lender.