Why am I not getting approved for these cards with my scores this high?

[Legions36]

My first application was approved by citybank for simplicity $9600 but then i applied for city double cash and they said not approved these both pre qual offers. I responded to nfcu mastercard offer and it said they will review and i will find out in 24 hours. I  I applied for cap1 venture and they cant approve. Now I don't know what going on? My util is under 10%, i have no inquires and i make more money than a few years ago. What gives? I was happy about this spree and now Ive only been approved for one card so far.

[Anonymous]

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@Legions36 wrote:

My first application was approved by citybank for simplicity $9600 but then i applied for city double cash and they said not approved these both pre qual offers. I responded to nfcu mastercard offer and it said they will review and i will find out in 24 hours. I  I applied for cap1 venture and they cant approve. Now I don't know what going on? My util is under 10%, i have no inquires and i make more money than a few years ago. What gives? I was happy about this spree and now Ive only been approved for one card so far.

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Something is up. Why is your amex blue cash everyday limit so low? Never seen one that low.  Any baddies, bks, etc?

What is your AAOA?

How many inquiries on each report now?

Based on your signature alone it looks like you are adding many cards and each one is getting a lower limit.

[Legions36]

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@Anonymous wrote:

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@Legions36 wrote:

My first application was approved by citybank for simplicity $9600 but then i applied for city double cash and they said not approved these both pre qual offers. I responded to nfcu mastercard offer and it said they will review and i will find out in 24 hours. I  I applied for cap1 venture and they cant approve. Now I don't know what going on? My util is under 10%, i have no inquires and i make more money than a few years ago. What gives? I was happy about this spree and now Ive only been approved for one card so far.

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Something is up. Why is your amex blue cash everyday limit so low? Never seen one that low.  Any baddies, bks, etc?

What is your AAOA?

How many inquiries on each report now?

Based on your signature alone it looks like you are adding many cards and each one is getting a lower limit.

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No baddies. No inquiries up until today when I applied for a few zero interest cards. Not sure amex never increased my limits over the past few years, i was thinking of applying for that white amex zero interest but I just dont know what going on right now. It doesn't add up?

No its no order on my sig i just put highest to lowest no meaning behing that. I just got approved for $9600 simpity today. I just thought i have done better than this, 15 years of creit history. 770+ on all credit reports

[Anonymous]

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@Legions36 wrote:

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@Anonymous wrote:

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@Legions36 wrote:

My first application was approved by citybank for simplicity $9600 but then i applied for city double cash and they said not approved these both pre qual offers. I responded to nfcu mastercard offer and it said they will review and i will find out in 24 hours. I  I applied for cap1 venture and they cant approve. Now I don't know what going on? My util is under 10%, i have no inquires and i make more money than a few years ago. What gives? I was happy about this spree and now Ive only been approved for one card so far.

---

Something is up. Why is your amex blue cash everyday limit so low? Never seen one that low.  Any baddies, bks, etc?

What is your AAOA?

How many inquiries on each report now?

Based on your signature alone it looks like you are adding many cards and each one is getting a lower limit.

---

No baddies. No inquiries up until today when I applied for a few zero interest cards. Not sure amex never increased my limits over the past few years, i was thinking of applying for that white amex zero interest but I just dont know what going on right now. It doesn't add up?

No its no order on my sig i just put highest to lowest no meaning behing that. I just got approved for $9600 simpity today. I just thought i have done better than this, 15 years of creit history. 770+ on all credit reports

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Couple things.  Very very seldom does Citi approve for 2 cards at the same time regardless of pre approvals. usually you need to wait 8 days between applications and 65 days before a 3rd.

The NFCU card is still a possibility so be patient in that be patient on that one.  Hard to tell with CapOne so you'll need to wait on he letter for that one.  How does your existing limits relate to your income?  Why's your current utilization?

[Legions36]

I can close some cards to make room for low to zero interest cards. My util is under 10% and my total credit lines is about $45k and  I make $72k per year. Everything is done right on my end. Do u have any other zero low interest cards to look for? Do I even try for slate now? 

[LadyJEsq]

I'd go for the Slate. I know it's discouraging to get reviews/denials back-to-back. I had 3 straight denials, from NASA, BofA and Citi when I applied for Cap1 QS and V and received two very nice approvals.

[tntexans72]

How long have you had the Csp/Freedom? With your profile, why are your SL so low? I would take advantage of sign on bonuses or cash back card from Cap1, Amex or a co-branded Chase. There's plenty of AF cards available where the AF is waived the 1st year. Look at Barclaycard also. As for citi, you can't app for 2 cards within 30 days. I've tried and was denied for the 2nd card but maybe others have gotten approved here. 

[Anonymous]

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@Anonymous wrote:

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@Legions36 wrote:

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@Anonymous wrote:

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@Legions36 wrote:

My first application was approved by citybank for simplicity $9600 but then i applied for city double cash and they said not approved these both pre qual offers. I responded to nfcu mastercard offer and it said they will review and i will find out in 24 hours. I  I applied for cap1 venture and they cant approve. Now I don't know what going on? My util is under 10%, i have no inquires and i make more money than a few years ago. What gives? I was happy about this spree and now Ive only been approved for one card so far.

---

Something is up. Why is your amex blue cash everyday limit so low? Never seen one that low.  Any baddies, bks, etc?

What is your AAOA?

How many inquiries on each report now?

Based on your signature alone it looks like you are adding many cards and each one is getting a lower limit.

---

No baddies. No inquiries up until today when I applied for a few zero interest cards. Not sure amex never increased my limits over the past few years, i was thinking of applying for that white amex zero interest but I just dont know what going on right now. It doesn't add up?

No its no order on my sig i just put highest to lowest no meaning behing that. I just got approved for $9600 simpity today. I just thought i have done better than this, 15 years of creit history. 770+ on all credit reports

---

Couple things.  Very very seldom does Citi approve for 2 cards at the same time regardless of pre approvals. usually you need to wait 8 days between applications and 65 days before a 3rd.

The NFCU card is still a possibility so be patient in that be patient on that one.  Hard to tell with CapOne so you'll need to wait on he letter for that one.  How does your existing limits relate to your income?  Why's your current utilization?

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+1

[Anonymous]

why the sudden urge for so much credit?  It seems sort of suspicious to me that you are wanting all these cards, when you have an amex with such a low limit. I would immediately request a 3x CLI on that, so ask for 3 times your current credit limit. if denied try again in 90 days. If approved, repeat in 6 months.

Totally forgot about the citi double apping aspect.

[Legions36]

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@Anonymous wrote:

why the sudden urge for so much credit?  It seems sort of suspicious to me that you are wanting all these cards, when you have an amex with such a low limit. I would immediately request a 3x CLI on that, so ask for 3 times your current credit limit. if denied try again in 90 days. If approved, repeat in 6 months.

Totally forgot about the citi double apping aspect.

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So its ok for you to have like 20 cards but not other people? I have worked to get my credit the way I want it and now I want the cards I'm looking for. Zero and low interest cards and I will close my higher interest cards and the ones I don't need.

Who even says to someone it seems "suspicious" like im up to something according to you. Thanks for your help but no thanks, no need for you to respond here anymore.