wisconsinmom
DIS Veteran
- Joined
- Apr 21, 2006
I got my letter from Chase regarding my denial for the CIP. I've never been denied for a card, it really stings!!
The reasons are:
Too many credit or loan accounts opened recently
Too many recent requests for credit or reviews of your credit
You have too many active accounts or too much available credit
Your current amount of credit is enough in relation to your income
I'd love to know your thoughts on what to do, maybe I just need to take time and lower some of my credit limits.
I'm currently 4/24
AU on DH's CSP which 4/16
CSR 1/17
CSP 4/17
Freedom 1/18
I have 5 Chase cards, including a Disney Visa (have had for a long time) and a SW Preferred that I've had for 4 ish years.
Credit limits are:
Disney- 7,600
SW-7,500
CSP 13,900
CSR 34,000
Freedom 4,000
I'm thinking the credit limits were part of the problem. I requested that the CSR be lowered and they said they did but that isn't showing up yet.
My credit score is over 800 so that shouldn't be an issue!
Thoughts? Advice? Thanks in advance.
I'm planning to either cancel or PC the CSP as soon as the 1 year mark hits which should be within the week.
The reasons are:
Too many credit or loan accounts opened recently
Too many recent requests for credit or reviews of your credit
You have too many active accounts or too much available credit
Your current amount of credit is enough in relation to your income
I'd love to know your thoughts on what to do, maybe I just need to take time and lower some of my credit limits.
I'm currently 4/24
AU on DH's CSP which 4/16
CSR 1/17
CSP 4/17
Freedom 1/18
I have 5 Chase cards, including a Disney Visa (have had for a long time) and a SW Preferred that I've had for 4 ish years.
Credit limits are:
Disney- 7,600
SW-7,500
CSP 13,900
CSR 34,000
Freedom 4,000
I'm thinking the credit limits were part of the problem. I requested that the CSR be lowered and they said they did but that isn't showing up yet.
My credit score is over 800 so that shouldn't be an issue!
Thoughts? Advice? Thanks in advance.
I'm planning to either cancel or PC the CSP as soon as the 1 year mark hits which should be within the week.