@DakotaM wrote:
Congratulations on all those new cards! I too am enjoying some nice new card smell that I didn't really plan on 😁. Its wild how much the starting limit can vary between issuers even when you apply in the same day. With a little bit of luck, hopefully you get approved for that second PenFed card!
I was denied for the second card
Their letter has my Exquifax score at 736
*serious delinquency
*Ratio of balance to limit on bank revolving
or other rev accts is too high
*Length of time accounts have been
established
*Proportion of loan balances to loan
amounts is too high
I haven't had delinquencies in years but this is the same thing capital one says when I request CLIs. But then they given me them when I don't request. Weird
The only debts I have are my mortgage which I'm making accelerated payments
And student loans I'm also making payments even though I don't have to right now.
My credit cards are all at 0% except for one its at 14% utilization.
I'm okay with their decision though maybe next year!! I still added 28k to my available balance. I won't be greedy!
