So was denied what about 2 years ago for Langley CC but kept membership with about 1 bill to 2 bills at any given time.. Decided since I refi'ed my house recently I would try to apply again since DTI is very much down although house isnt on CR yet told them house payment etc... DTI approx 30% now with house refi and CR shows around 12-14%.. EQ pulled 770-780ish.. Alot of credit obviously > 600k. Income 100k+, util 1%, etc.. Anyways reasons for denials as follows. I can't blame them I wont lie, but if you are higher income earner and high scores and alot of credit and low utilization i personally would avoid them unless you are at a @Mahraja income/spend 
.. I try to keep it honest.. I did close the account today as a lender doesn't need my money if they wont lend with great credit, good dti and good utilization. I was pre-approved for an auto loan at 2.7ish apr i laughed at them and said a captive lender will eat you alive. I know some love langey and some love penfed, etc. I had to try, but no fruits given to me.
Denial Reason
Level of indebtness (don't reall get this as 12-14ish percent or 30% on higher side of house not showing on CR, but told them about it) -- Think this reason is hogwash, but a reason none the less
Levels of recently acquired consumer debt (I suppose this I get this as I do have a shiz ton of credit and new credit if this is what it means) -- This is legit if talking about new credit. Intallment loan paid > 25% and auto loan > 30% both aged.
I try to keep it real, hope this helps out someone!
Cheers
That's unfortunate about the denial. 
Thank you for sharing the data points and keeping it real.
Keep your chin up, slugger. There are other CUs out there.
Head up high, it's their loss!
@Brian_Earl_Spilner wrote:Keep your chin up, slugger. There are other CUs out there.
Agree see aprrovals next week with one loss i double down
@CreditCuriosity sure is a bite! You have taken on challenges for the Forum and tested the market for others so it is unfortunate that a card you desire is unavailable.
In the back of my mind lingers the total financial landscape of lenders wanting to appear the "OPEN" sign is still lite but in reality, they want to sit out the next inning and see how the ball game proceeds.
In looking at our world today, as a lender I would be ever so careful for awhile and try hard to minimize the unknowns for awhile. Keeping this in mind, I wonder if that might be the situation?
In the back of my mind lingers the total financial landscape of lenders wanting to appear the "OPEN" sign is still lite but in reality, they want to sit out the next inning and see how the ball game proceeds.
In looking at our world today, as a lender I would be ever so careful for awhile and try hard to minimize the unknowns for awhile. Keeping this in mind, I wonder if that might be the situation?
Lame. Sorry for the denial, but thanks for the DPs.
Sorry you got another no from them CC
Sorry for the denial and thanks for the DP. I may consider myself lucky to be approved with CL of $1000 if that's the case.
