DP: I'm at 5/24 (most recent card opened < 1 month ago). I also have an old C1 mastercard (non-venture). 765 credit score, sufficient income. Was declined, no reason provided. I have a suspicion this was due to my low utilization (I prepay my cards to keep utilization low) and the fact that I don't carry a balance.

Anyone have experience with the reconsideration process?