Originally Posted by
sullim4
What is your total credit limit across all cards? Utilization? Any new recent accounts? Trying to tease out what they care about.
I have a similar profile, and was given a $30k limit by Wells. But this was a fresh application in May without any prior Evolve card. My utilization was 0 (I pay off before statements are cut) and my total credit was around $85k across 7 accounts before the Bilt card. 3x Chase, 2x AMEX, 1x BoA, 1x Barclays. I've never done business with Wells before.
My total credit is 140k which is probably a factor. 5% utilization, only ~4yrs AAoA and oldest acct 7yrs which tends to hurt me too. Additionally, in my personal experience, the issuers that ask you whether you're a citizen or permanent resident tend to be conservative with their lending when you answer no. As soon as I saw those questions I was skeptical I would even get approved.