Applied for an Amazon card and got declined with this message I have 11 accounts with $5,829 total line using 70% total. I have 13 inq in the past 2 years 2 so far dropped. and should have a few more leaving as well. I no only use 2 cards and have the rest out of my wallet paying off. about $20 over min unless I can do more. 1 bad from 4 years ago. About 6 years or so ago I ended up paying all and closing all. Then waited until Nov 2011 and started again.
I know credit karma is not a true score but last week it showed 595 and just now shows 600. Pulling out my hair on this. Last time I got this type of denial it show my score in the 400's. Trying to stay on track.
Your Credit Score: 061 Date: 04/09/2013 Scores range from a low of 000 to a high of 999. Key factors that adversely affected your credit score: TOO MANY SERIOUS DELINQUENCIES TOO MANY REVOLVING ACCTS W/BALANCES TOO HIGH COMPARED TO CREDIT LIMIT NOT ENOUGH DEBT EXPERIENCE BANKCARD ACCOUNT BALANCES ARE TOO HIGH IN PROPORTION TO CREDIT LIMITS NUMBER OF INQUIRIES ON CREDIT REPORT