Denied

[Anonymous]

so i just called the back door  to get my status on my account and i was denied

they saying i have applied to many cards over the 2 years application not approved

any suggestions

credit report does have about 21 inq in the past 2 years

i currenrtly have 3 chase accounts

Chase Freedom 3000

Chase Slate 3000

Chase Amazon 4000

[Credit-hoarder]

What did you apply for?

[Anonymous]

Chase Sap

[Anonymous]

they said i applied to many times in 2 years

[JSS3]

Util? AAoA? Baddies?

Try a couple more times and hope for a more cooperative rep since you already took the hard pull(s). Prepare to explain away your inqs.

[Anonymous]

account is clear no baddies

all current payment

Exp 692- Trans 684, Equifax, 650

Never late on any payment.

[Anonymous]

im new here

Util? AAoA? what does mean. sorry new

[Anonymous]

Util = how much of your existing available credit are you using.

AAoA = average age of account

[Anonymous]

27%

1-2 years

[JSS3]

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@Anonymous wrote:

im new here

Util? AAoA? what does mean. sorry new

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Utilization is the percentage of the credit you're using on individual cards and on all cards combined. It accounts for 30% of your score. It's recommended that you use less than 30% of your individual and total credit. To truly maximize your Fico score, it's recommended to have all cards, but one, report a 0 balance. One card report at less than 10%. (this is optional to get super reports). 

If you have a balance of 356 on a card with a 500 limit, your utilization on that individual card is 71%. Too high!

If you have a balance of 3070 between cards with a combined limit of 9,000, your overall utilization is 34%. Not too bad but not ideal when apping. 

AAoA is the Average Age of Accounts. This accounts for 15% of your Fico score. The calculation is Account ages divided by how many accounts. You'll get the average. This will be on your reports.