Interesting...I wonder what GS' algorithm is like for approving people...
I was also denied, but only because they couldn't verify my identity from my driver's license for some reason. I have 3 lates from a little over 2 years ago, but the lack of identity verification was the only reason that they denied me, apparently.
Oh well, NBD; wasn't planning on accepting it. Only applied for it for the adrenaline rush
Well I’m my case I got denied having my fico as of today
Under 10% credit utilization
100% payment history
Over $110,000 in available credit
Filed join with wife BK chapt 7 over 8y
So some can tell me why I got denied and my wife was approved she carry her own mejor credit cards and my credit is a bit better then hers
There should have been some communication sent to you regarding the reason(s) for the decline. Unfortunately, we can only speculate on some of the reasons, but ultimately there isn't sufficient information to go by based on what you have provided. That said, even two BK profiles regardless of apparent similarities, are not alike. So, evidently it appears your wife's profile had sufficient attributes that yielded the approval.
this is their explanation My debt is too high relative to my income For example loans and credit cards, actually have 2 active loans
Credit cards 7,000
My wife is almost the same, personally dont see the reason why I got denied so now you have a better picture
Thanks for sharing the reason(s). Since it would be nearly impossible to decipher what their algorithms picked up that's different from your wife's profile, it's anyone's guess what other factors influenced their decision for your denial.