A lot depends upon how thorough a review a given creditor conducts.
A huge advantage to using only FICO scoring in making a determination on relatively low CL or low principal new credit is that it is quick and easy for the creditor, and thus cheap.
If score alone meets their criteria and the risk is low, it may be a prudent business risk not to invest in a manual review.
As an aside, that is also a reason why having AU accounts can foster app for relatively low CL or secured cards.
However, as the amount of credit being sought rises, so does their potential risk, and manual review is more likely to be part of their determination.
Seeing an unpaid CO or credit history of another on your report might then bring into play additional factors that might lead to decline of credit.
