Ever get turned down for having too much credit?

[mikey78]

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@djc1puno wrote:

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@jefftca925 wrote:

I'm closely approaching $300k in available credit on all of my cards and haven't had a problem getting more cards when the opportunity arises.  I think for the most part if a person maintains very low utilization (mine is usually in the 1-2% range) and has long history an issuer will usually approve a card without any hesitation.  If you are relatively new to the game then an issuer would likely want more established history before granting more credit.

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wow! that's a massive tl

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HE's a JILLIONAIRE!! i'm a peseant TL wise but i still got a few bucks in my wallet left over from the strip joint

[djc1puno]

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@mikey78 wrote:

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@djc1puno wrote:

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@jefftca925 wrote:

I'm closely approaching $300k in available credit on all of my cards and haven't had a problem getting more cards when the opportunity arises.  I think for the most part if a person maintains very low utilization (mine is usually in the 1-2% range) and has long history an issuer will usually approve a card without any hesitation.  If you are relatively new to the game then an issuer would likely want more established history before granting more credit.

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wow! that's a massive tl

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HE's a JILLIONAIRE!! i'm a peseant TL wise but i still got a few bucks in my wallet left over from the strip joint

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there's a few things i'd like to say about the SJ but i'd rather not!

[09Lexie]

@djc1puno

Good idea!

[longtimelurker]

I was turned down for a CLI by Citi because of too much available credit to income.   I would guess as other issuers had given me increases both just before and since, that it might have been more I had reached my limit with them.    I now have a bigger limit with Cap One than with Citi!

[MamboItaliano]

Paging Ron1. Ron1, please weigh in. 

[youngandcreditwrthy]

Ime, Citi and Barclay's are oft the creditors that pay more attn to the amount of cred you have.
Citi shut me down for too much credit; I had about $170k avail and 10% util. My reported income is $149k Closed me for "too much open credit"
Barclay's denied me an Arrival card for "sufficient credit"
I already have a $7700 Trav Amex from them.
My other creditors seem to have no issue with it. I might app for a BOA or USBank card(s) soon and see what their stance is on my high avail credit.