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I have an 11.9% (fixed) Citi platinum with a perfect payment history and a 15k line. I've had the account for over two years. The balance is...
>Second Reason Code: 10 "Proportion of balances >to credit limits on bank/national revolving or other >revolving accounts is too high"....
Assuming that the credit union lady gave factual information.... Methinks that Matty's credit union could be one of the few old school lenders...
Saar, Which Citi credit card product do you have? I have a Platinum M/C that's 11.9 now and I'd love for them to re-price it. Prime + 1.9%...
Go to http://www.bayhouse.com and read the credit scoring information over there. It isn't exactly "reverse engineering" but it's real world...