They said my EX FICO was 702 (Fako was 681 at the time).
Listed the following detractors from FICO score:
Loan balances too high.
Account history too short (I have 2 cards that are less than 1 year old).
Too many recent inquiries (4 in last 2 years, 2 in last year).
Credit limits too low.
Collection / Derogatory status on account.
All that and I still got approved for a $10K CL.
Must be your income.
Congrats! Do you mind sharing your approximate income?
Congrats on your approval and the excellent CL!! Geez, my Exp score is 704 and income is 80,000, and I got denied for the BCP. Had a 30 day late in Apr. 2011 and also a few recent inquiries. Will keep trying.
If you feel comfortable.. what is the stated income?
Nice letter, but who cares if one receives the card and 10k
About $135K, had a mortgage for a year, last 30-day late was 3+ years ago. I've had student loans issued since 2005, no lates at all. A few 60+ that fall off my credit report by January 2013, and 1 collection that falls off in November.
No, didnt have much available. 2 sears cards about 85% each (just bought new appliances). My discover ($4K Limit) was reporting at about... 25% utilization, showing a high balance previously that was about 75%.
Niiice! I got $3500 on BCE. Did you not have very much existing open cred? I feel like I'm to the point where I have too much avail cred, and that is why I got a lower limit... My TU Fico from Amex was 696. I might need to actually have some lines lowered to get that 3xcli everyone talks about on here lol... Never thought Id see the day when I'd considering asking for a CLD lololllll
2 other cards less than 5% utilization.