Originally Posted by
rekehs
that's the easiest reason they give you, but that's not the reason.
thin/thick file?
negatives?
score?
total revolving?
utilization?
is any card carrying more than 50%?
how many cards have a balance?
Have a 14 years credit history with a paid off mortgage. My utilz rate is 3% and I have 3 cards with citi and one of those is a biz card and the total credit with those cards is about 20k.