Originally Posted by
flyaxa
I'm not sure if a data point is needed here, but I can confirm that reducing your total CL seems to prompt instant approval. (Obviously, if your income and FICO are adequate) I have been at about $75K CL for over a year. Every single app I had to call in and move credit around for approval. I finally whacked $42K off. Low and behold...Instant approval today with $35K CL. Probably going to have to trim that a bit now, too.
^ And yes, that's the problem with trimming your TCCL. The more you trim it, the higher the CL they give you on your next card, and so the more you have to trim it again.