BBT - Denied for Inquiries/Util

[Anonymous]

After looking at threads here, I was under the impression that BB&T was not inquiry sensitive.  However, I applied for the Bright card - was denied stating too many inquiries and high util.  I'll give them the high util.  As of right now, it's around 35%.  That will be down within a month or two.  Oh well, guess I'll try again in a year when some inquiries disappear?

[Meanmchine]

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@Anonymous wrote:

After looking at threads here, I was under the impression that BB&T was not inquiry sensitive.  However, I applied for the Bright card - was denied stating too many inquiries and high util.  I'll give them the high util.  As of right now, it's around 35%.  That will be down within a month or two.  Oh well, guess I'll try again in a year when some inquiries disappear?

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Why didnt you wait to pull the trigger?

How many inqs did you have and who did they pull?

[CreditCuriosity]

Each profile is different and they by law must spew out a list of denials.. I doubt inquries was the real reason you were denied as they aren't inquiry sensitive as I had 12 on my EQ in the last 9 months at the time I was approved.. Everyone profile is different, but I suspect between your score and utilization is probably what the real denial reason was and guessing some baddies exist on your report with the score in the mid 600's ?  Regardless sorry to hear about the denial

[FinStar]

As mentioned upthread OP, there's other underlying factors that BB&T may have considered in connection with your application. It happens.

Lots of threads may point to different CCs that most folks *could* be approved for with X number of inquiries and Y number of new accounts. However, bottom line, it's all profile specific.

I was approved for their Cash Rewards a month ago and I have several inquiries (EQ) + new accounts reporting in the past 6-12 months. That being said, my credit profile dates back 20+ years with FICO scores near 800 (depending on the month).

[atst2000]

Yeah definitely don’t believe it was your inquiries. I applied 2 months ago with over 25 on EQ and was approved. Granted my util was at 10%.

[fltireguy]

CC I had 79 when I was approved..lol

Also, what card do you have from Synovus..? Just curious

[CreditCuriosity]

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@fltireguy wrote:
CC I had 79 when I was approved..lol

Also, what card do you have from Synovus..? Just curious

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@fltireguy called you out on my approval thread got the cash rewards at 18k