“Inconsistent trend in usage of revolving accounts”

[cinamann]

Welll this is a new one. I tried to apply for a Upgrade triple cash back card and got denied with a few reasons.
One caught my eye:

Inconsistent trend in usage of revolving accounts.

Then it says my FICO 8 score from TU is 793.

Sounds to me like "You're outside of our algorithmic predictive model and we can't assess your credit risk, so no."

What's with Upgrade and Cross River Bank?

[pizzadude]

Yeah I haven't heard of this particular decline reason - pretty sure it's not a FICO scoring reason but something from Cross River.

Also, lenders are required to give you "a reason" which may not be the same as the primary reason(s) that you were declined. 

[creditrizz]

Inconsistent trend in usage of revolving accounts sounds like a very accurate description of my credit card usage habits haha.  Hopefully that reason for denial doesn't catch on.

[youngandcreditwrthy]

dude I dunno. I love their HIGH APR savings account. easy to transfer and save and get some free $$$ plus you can pay directly from it, but the other day after many mailers and emails, i decided to check on a personal loan....

THeir credit cards are awful. 

their rewards checking is even great! 2% back on gas!

but yeah personal loan they pre approved me for 17k at 35.74 percent... Im like that's higher than credits that I can pay off quite easily (6 months tops) and would be TERRIBL!+E

Good luck with em! either way!