Juniper vs. Universal Card

Discussion in 'Credit Talk' started by the other, Sep 12, 2001.

  1. the other

    the other Well-Known Member

    Ok, I applied for both a Juniper and a Universal card. I was declined for both. What is interesting is there reasons.

    Universal Card - My utilization ratio is too low. She said they like to see you using close to 48% of your limits. Otherwise, if you ratio is low, it looks like you don't need any more credit.

    Juniper - (1) My revolving debt is too high, (2) my utilization ratio is too high.

    Both pulled Equifax. Universal Card on 8/13/01 with a score of 697 after the inquiry, and Juniper on 9/9/01, with a score of 694 before the inquiry. Account information was pretty much the same.
  2. RichGuy

    RichGuy Well-Known Member

    That's amazing about the low utilization ratio. While Universal is obviously a freakish exception, it's starting to look like my kind of bank. I'll be happy to apply with a ratio of 48% (or higher.)
  3. sam

    sam Well-Known Member

    citi loves high and low utilization.

    one must wonder why its child (universal) has such varying standards???

    GEORGE Well-Known Member

    MY F.I.C.O. 685-704.

    WIFE F.I.C.O. 725-741.

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