What should I do if declined by a weird reason?

[Anonymous]

The interesting thing is my utilization with Amex is always low... and this high statement balance hasn’t been reported to credit bureaus (my statements haven’t cut yet...) So that really surprised me...

[Brian_Earl_Spilner]

If the amount is unusually high, that's just another red flag.

[Anonymous]

But I usually use my card heavily and pay down debt before statement cuts... is that a bad hobby?

[wingennis]

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@Anonymous wrote:
But I usually use my card heavily and pay down debt before statement cuts... is that a bad hobby?

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It is not a bad hobby if you are playing a "long game".  It is best practice not to apply for a card with a lender if you have current high balances even if you intend to pay them before the statement cuts.  Even if they aren't on your statement, they can see what is going on with your accounts.  Maxing out credit lines and then applying for new credit is red flag related to bust out behaviors.  

It wasn't clear earlier in the thread that your statements hadn't cut yet.  That changes the picture slightly.

[M_Smart007]

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@Anonymous wrote:

Emmm I have paid off those debt... but how long should i wait? because i some big purchase to make and i wanna use that card so that i can earn the SUB...

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OP,  I would just check the Platinum Pre-qual on their site about once a week to see if you are pre-qualified?

I think paying those balances down is going to be key going forward.

Good Luck to you!

[CreditInspired]

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@Brian_Earl_Spilner wrote:

I agree, it's not weird. Your applying for a card that is required to be paid in full each month, but your 2 other cards with them are maxed out. Based on your income, they don't believe you can pay them and the Platinum off.

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^^^ this

[Meanmchine]

Pay down your cards if you want another Amex card 

Your denial reason is very self explanatory.  Pay them down and reapply in 30 days

[Anonymous]

Thank you all. Got Approved by recon after paying down the debts

[newfossil]

Congratulations!

[AllZero]

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@Anonymous wrote:

Thank you all. Got Approved by recon after paying down the debts

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Congratulations on your approval!