Yeah some CUs care about possible use over what you are using. Grats on getting the 10K approval 
@cashorcharge wrote:
@SouthJamaica wrote:
@cashorcharge wrote:I've been a member of AndrewsFCU over a year. It was @coldfusion that inspired me to join after his $50K approval. I had been gardening for this, trying to wait until 2022 (especially after reading about @SouthJamaica triple pull decline) but when the X1 opportunity came through, figured I should apply sooner than later before that new account reports. After applying, I had to provide POI and ID. I requested $50K...the max for this card. They countered at $10K. The notes associated were "excessive debt obligations in relation to income" which I had seen randomly and KNEW that's not right....or at least my interpretation of what that meant. My DTI is low and my UTIL is less than 1% with $625K TCL.
I called and after speaking to someone, learned that they were not concerned about the debt I'm carrying....they were concerned about the potential debt I "could" carry with a high TCL already, mostly sitting at ZERO. I debated accepting or declining since a recon conversation wasn't going to sway them. I took 2 HP's for this and I know this circumstance will not change in the future...it's not like I'll be giving up TCL in the future so decided to proceed. Future CLI's will be HP so not sure where...if anywhere...this will go in the future.
EX HP & EQ HP
Reported EQ F9 834
I'm sure where it will go in the future. You'll never see a higher credit limit than $10k. So you might as well not waste any more hard pulls on CLI's or breath on recons.
I am thinking you are spot on! I had contemplated proceeding or not and already burning 2 felt I shouldn't just abandon them.
Yeah because hopefully you will never have less available credit than you do right now. So those credit unions who think that's a bad thing.... well they're just not good prospects for future credit.
I recently, with great reluctance, ditched Hanscom Credit Union -- which I really felt was a great outfit and stuck with for a long time -- because I realized they were in that mindset, and therefore would never find me to be a suitable credit prospect.
