@Anonymous wrote:mooshi as long as you don't take on any late payments and continue to pay over the minimum payment (say, 2-3X or more) your risk for AA is incredibly low. There are examples of it, which I'm sure SJ will share with us, but those are an incredibly small percentage compared to the introduction of negative information to a credit report.
In my case I was never actually able to find out why they took adverse action against me, but some 'alternative' reasons for which it sometimes happens are (a) opening new accounts with other lenders and (b) accepting balance transfer offers.
