Any cards still accepting NO DOCS applications?

[Upbeatstreet2]

Are there any credit cards left that do NO DOCS applications?

I get the impression that a lot of places like NFCU that used to accept NO DOCS applications switched in the last year with the tightening credit environment. Are there any left?

(I’m looking for BT, but also curious generally.
I’ve got high credit utilization (58%) but otherwise no baddies, all FICO 8 scores around 730.)

[Jnbmom]

I have never been asked for DOCs for credit card applications . Only creditor that comes to mind is AMEX if you ask for CLI when your limit is already high .

I have been asked for a few loans but that has also been rare .

But 58% utilization may be a red flag for most lenders.

Can you not prove your income ? 

[JoeRockhead]

Tons of lenders out there that don't ask.  The higher utilization is the source of your woes.  It indicates to lenders a higher risk of default,  so the likelihood of requests for docs and POI go up. 

[FicoMike0]

I don't recall being asked. I apped chase prime in July, didn't ask for poi, instant approval.