Here are the specifics:
14 cards, 8 store and 6 CC. 4 are my wifes, 3 store and 1 cc. So in my name I have 5 store and 5 credit cards, and total credit line in my name is around 120k. My utilization is .03%. I stated 4% above, unsure if they pulled before or after a few large payments reflected on my report. Own home, 11 years at same address.
Both times I called I was passed to verifications, then to the ‘back office’, after the primary person that answered, But they were all nice. The specific reason was Too many open trades with high credit limits. I even told her I am being denied because I have too much credit? Yes. She then said I could talk to a credit advisor, I denied.
Now, I did plan on closing a few cards. As a FYI, I went ahead and qualified for an Amex Blue Preferred with a $14500 CL. It was an instant approval. My FICO range is 746-756. I believe Chase pulls Experian which is 756.
My most recent credit card was opened over 2 years ago. Totoal inquiries 9. Newest account was a personal loan from Marcus.
