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.