venture denial

[bobbay]

Fico 689 due to balances and new accounts

Last app jan 2 slate and marriott premier 3500 & 11000 respective before that was Overstock for 18k auto approval from pop up

Last 20 apps all auto approvals with average cl of 12k

Util is 30% now all at 0% promos

Totally dont need venture just could not resist the craze

[Anonymous]

sorry to hear that ! my last app was dec 14 weird.

[NRB525]

Sorry to hear that.

Did you have any Capital One cards already?

Was there a pre-approval for any cards on their site?

[anm688]

This is very surprising. The only thing I can think of is credit utilization. Mine was 2%

[bobbay]

I think its a combination of new accounts and balances.  Income is over 170k so i am wondering if they pulled ars

AAoA is 6 years

[CreditCuriosity]

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@bobbay wrote:

I think its a combination of new accounts and balances.  Income is over 170k so i am wondering if they pulled ars

AAoA is 6 years

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Yes Cap1 pulls ARS and/or IDA btw... 

[Anonymous]

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@bobbay wrote:

Fico 689 due to balances and new accounts

Last app jan 2 slate and marriott premier 3500 & 11000 respective before that was Overstock for 18k auto approval from pop up

Last 20 apps all auto approvals with average cl of 12k

Util is 30% now all at 0% promos

Totally dont need venture just could not resist the craze

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Am I understanding that u may have $240K in available revolvoing and u r currently using 72K on 0% apr but this is almost 50% of ur income...  

[CreditCuriosity]

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@Anonymous wrote:

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@bobbay wrote:

Fico 689 due to balances and new accounts

Last app jan 2 slate and marriott premier 3500 & 11000 respective before that was Overstock for 18k auto approval from pop up

Last 20 apps all auto approvals with average cl of 12k

Util is 30% now all at 0% promos

Totally dont need venture just could not resist the craze

---

Am I understanding that u may have $240K in available revolvoing and u r currently using 72K on 0% apr but this is almost 50% of ur income...  

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Scary if that is true.. Didn't do the math.. Not one to judge, but be careful if this is true!  72k paying back if that is the # is huge 0 apr or not!

[Anonymous]

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@Anonymous wrote:

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@bobbay wrote:

Fico 689 due to balances and new accounts

Last app jan 2 slate and marriott premier 3500 & 11000 respective before that was Overstock for 18k auto approval from pop up

Last 20 apps all auto approvals with average cl of 12k

Util is 30% now all at 0% promos

Totally dont need venture just could not resist the craze

---

Am I understanding that u may have $240K in available revolvoing and u r currently using 72K on 0% apr but this is almost 50% of ur income...  

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I see the Math now.. Was wondering LOL So assuming each app was approved for 12k then 12,000 x 20 =$240,000.  30% of 240,000 =72,000.  That is a bit much even if income supports it.

[bobbay]

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@muscle_c. redit . wrote:

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@bobbay wrote:

Fico 689 due to balances and new accounts

Last app jan 2 slate and marriott premier 3500 & 11000 respective before that was Overstock for 18k auto approval from pop up

Last 20 apps all auto approvals with average cl of 12k

Util is 30% now all at 0% promos

Totally dont need venture just could not resist the craze

---

Am I understanding that u may have $240K in available revolvoing and u r currently using 72K on 0% apr but this is almost 50% of ur income...  

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$160k ish

@35k @0%

@7k @4.99% lowes 84 mos