AOD CU visa declined

[Jccflat]

I get this email after 2 hours of  applying 

So I wasted a inq

I have 14 inq score FICO is 737

5% utilization

they are getting allot of applications and prob more carefull now it's not nfcu that I can tell u 

just got today a SP Cli on my third card to 28,300$ 

i have a total 95k including the CLOC 

this is the message I got from them a few hours after applying 

Good afternoon,

Upon reviewing your credit card application, we have decided that your debt ratios are to high for us to approve. Would you still like to continue with your membership application?

[AllZero]

That's unfortunate. Perhaps, join and become a member still. At least make use of that hard pull.

[Jccflat]

What do I benefit of being a  member ?

if I can't get a cc 

[AllZero]

It appears they have a lot of great products. Let your membership marinate.

[Guyatthebeach]

Jccflat,

I had the same reason as well as too many new accounts. I also cancelled my request for membership because I am getting better rates at BECU, Redstone, and Navy Federal. 

AOD seems like a solid CU, they just focus on DTI ratios and maybe new account sensitive.  This is just my opinion and I only have my experience to back it up.

Guyatthebeach

[Anonymous]

@Jccflat 

Sorry to hear about your AOD denial. However, in the denial

AOD told you what you can do to get approved: you'll have

to lower the debt ratios on your other tradelines. It might be

worth giving them a call to find out exactly what DTI ratio they

are looking for so you don't waste time in the future. So if you

still think it's worth it, you can open a savings/checking acct

and try again at a later date.

[M_Smart007]

Sorry for your AOD denial

[SwarthyOgre]

So just for days points purposes...does your 5% util on 95k total limits have you anywhere near or over 50% util on one or more cards?