Originally Posted by deniah

I applied for SPG Amex 3 months back - 2k limit.

Profile:
12 cards w/ 230,000 total limit and ZERO carried balance EVER; average 2% utilization at any time
(includes 3 amex cards @ 25k each & gold card)
mean age 3yr, median age 5yr, max age 8yr
total debt: 2500$ student loan - left open because im waiting for time-disbursed rebates
transunion score 786


applied for credit limit increase and was denied. i cancelled the gold card, re-applied for CLI, and was denied again.

looks like theyre real tough, and when not paying for gasoline or restaurants the SPG is my primary card and im always maxing it out