Ok, here is the deal:
Called and spoke with a Lending supervisor. She said that when they approve a first card, they usually approve the most they can. Second cards in a short period of time, no go. In my case she said nothing negative, she said the fact I had NO CC debt was bad because I can still go spend on those cards. "Available debt" she says I have too much other available credit. She suggested closing other accounts. She said they have "guidelines" on situations that determine what limit they give and every underwriter will be the same.
Seeing how I have this available debt, I am probably not going to app for NavCheck (this might screw me later) I have no intent on using it.
She offered to move $1k from Cash Rewards (now $10k) to the GoRewards (now $1k). I do not care because I will use that one PIF and keep charging till I reach the $1500 spend requirement. She said I could close it and move it back, but more than likely I will CLI later.
On another note, I got her to FedEx the card for free. She was apologatic and stated they are bound by the guidelines of the credit union and can be fired for going outside those guidelines.
What should I do now? Let my EQ cool off a while and try for a CLI at my 6 month for Cash Rewards and 3 month for this new account?
