CSR Denial

[ray8806]

This is just for the data point.
Applied for CSR, got 7-10 day notice.

Profile:
AoA: 1 y 6 m
Total CC: 9 (I know my soggy is outdated. Hard to update on mobile)
Total Credit Limit: ~$58,000
Credit Used- $21,000

Nothing new on credit for a full year except a few inquiries for mortgage.

[austinguy907]

I'll bet it has something to do with the 21K in debt you're carrying.  Could always call and recon though..... seems to be working lately for some people.

[Anonymous]

That's high utilization. I'd pay that down and then re app

[CreditDunce]

So you have 9 CCs, 3 of which are older than 2 years?   Unless you are pre-approved, 6/24 will be an automatic denial for most Chase cards.  Util isn't helping either.

[Anonymous]

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@CreditDunce wrote:

So you have 9 CCs, 3 of which are older than 2 years?   Unless you are pre-approved, 6/24 will be an automatic denial for most Chase cards.  Util isn't helping either.

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This is correct.  It's the 6/24 that killed him.  Surprised that he didn't wait until next month when two of the cards aged past two years.

[ray8806]

Lol, I'm aware of my utilization guys and I'm aware of my 6/24. I just closed on a house, so I figured it wouldn't hurt to cross my fingers. Lol