Feel like a dummy. They really put it in perspective.

[nursepower]

Applied for Chase Slate in March and was denied. Do have a Chase Freedom though almost at the limit. Was denied the slate. Called today after finding out about recon numbers. He told me to reapply and then call back. So I did. Current guy makes it sound really bad. 

I pay all my cards On TIME but apparently I use too much of the credit. He made it sound horrible. Waiting for decision now. 

~edited to keep it G rated, ~pizzadude, myFICO moderator

[nursepower]

Too much credit with too high of a balance. He said I could pay some off and then reapply but at that point I don't need the balance transfer. Oh well. I'll be happy with what I have. 

[sccredit]

Never apply for credit when you are maxed on what credit you do have.  Lesson leaned

[nursepower]

Yes, lesson learned. Howere AMEX just increased my CL from 2K to 5K...of course it's PIF. Wonder if they do balance transfers?

[djc1puno]

Sorry to hear...it does suck when you get hit w such perspective, but you gotta move on and learn from it...time will make it better

[myjourney]

---

@nursepower wrote:

Yes, lesson learned. Howere AMEX just increased my CL from 2K to 5K...of course it's PIF. Wonder if they do balance transfers?

---

Please clairify I don't understand if you were given an increase/CLI it's a revolver and you can pay over time

[djc1puno]

Maybe its a charge card max limit?

[nursepower]

I have an AMEX blue that I pay in full every two weeks (if we use it) and my allowed spending limit went from 2K to 5K. 

[myjourney]

---

@nursepower wrote:

I have an AMEX blue that I pay in full every two weeks (if we use it) and my allowed spending limit went from 2K to 5K. 

---

That's what I though that is a credit card that you can carry a balance on a possible do a BT

Charge cards do not give CLI's and are NPSL thus do not give CLI's they just increase the mysterious spending limits which aren't usually disclosed

[manwoot]

That's the funny/annoying thing about credit.  You have to get it when you don't need it, because when you do need it, you can't get it.