Originally Posted by
mahasamatman
Credit rating and FICO score are not the same thing. FICO score is a small part of credit rating. People get turned down for credit all the time for having too much available credit.
Actualy, credit rating and credit score are used interchangeably. But you both are correct - having a high unused credit limit will not hurt your score, but credit score is only one of several factors lenders use in making a decision on whether to extend credit.