I did it twice with chase. I pretty much just asked them if they could explain why I was denied. They when they came back with why I explained the reasons why. For instance...
Too many inquiries: I figured I started doing better credit wise and needed to broaden my credit history.
Too high credit limit: Didn't want to pay it off completely because I wanted to show creditors I can carry a balance and pay it responsibility.
You have o be willing to call more than once.
The last guy I spoke to was so nice. I told him that I guess I was wrong about how I was paying off my cc's. He educated me further and approved me.
Hope this helps.Let me know how you do
