Yah, I agree, I overstated when I said, "It's official," don't want to throw anyone off reading this forum.
The balance I am carrying is low (<$2,000) and my other cards have < 10% ratio, so yah as JL70 is pointing out, I don't owe money to everyone on the block, and I guess the card approver took that into consideration.
Mogul of Pineapples wrote:Generallisimo, because you were approved for a new card that doesn't mean it didn't affect your credit score. The CUR if high, even on one card, will adversely your score. That has been reported on the FICO website so it's not a rumor.