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I don't think so but one thing is when they look at my balances across 3 cards they see a total of $55, total limits 40k maybe if I apply with larger balances makes a difference, dti is decent but maybe not
This card is notorious for denying people based on silly reasons. One among them is if you have an account listed on your report as "closed by credit grantor." Personally, I check again today after my last negative item was deleted from TU. Before, I was denied for the negative item. This time, I was still denied. The letter siad my score was 796. The sole reason I was denied was for too many recent applications for credit, which is fine, but it feels silly that I get denied when people in the 600s are getting approved. But it does illustrate my point, that some approval algorithm over there is a bit out of whack.