Chase Southwest Travel Card

[gingerflower]

Applied for DH Chase Southwest Travel Cc and was denied! Can't believe he got denied with a 850 score. The reason Loan balance is high and plus Uti is high 35% how weird is that...35% does not seem a high Uti...He has 2 chase Cc with 0 balance go figure!

[Physh1]

35% utilization is quite high. Given the times, a denial with 35% utilization reporting isn't surprising. I'd try to get that under 10% & you may have a better shot.

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@gingerflower wrote:

plus Uti is high 35% how weird is that...35% does not seem a high Uti

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[FinStar]

Sorry to hear about DH's SW CC denial.  

While your hubby's scores are commendable, a lot of issuers have tightened their belts given today's pandemic and the economic climate.  They may feel that DH already has adequate Chase exposure, but they're being a little more sensitive to other risk factors that, if it weren't for today's current events, they probably would've approved it.

[Physh1]

Also, out of curiousity, where are you getting an 850 score from? 35% utilization is pretty high to be able to maintain an 850 out of 850 Fico score. Not saying it's not possible but there are many scoring systems & some go well above 850.

[gingerflower]

The score came directly from chase bank and it is not the credit Journey score. Plus fico 9 from Nfcu. Odd because Dh was approved for FNBO with a pretty good SL. It could be chase was upset bcuz DH paid of 2 of the accounts he had with chase...oh well, 

[gingerflower]

@FinStar 

Chase could be upset bcuz DH paid of two of his Chase Cc. I told my DH oh well, life goes on Lol..

[gingerflower]

@Physh1 

@FinStar 

I have to make a correction DH UTI is 17 % however one of his Cc is 35% DH called to Recon but chase told DH part of the decline is due to paying off his 2 Cc.