Easy, right? I'm pre-approved, right? Oh, I bet you know where this is going.
This is the first time since I've become self-employed that I actually got a rejection letter from a bank / credit card company. And the reasons, GOD THE REASONS, it's like someone accidently stamped 'UNAPPROVED' instead of 'APPROVED' and made up some reasons in a panic.
One of them was "excessive number of non installement/finance inquiries" which is the apparent result of Discover keep checking my credit report way too often, since this is the first time in about 9 months I've actually signed up for something credit / finance related.
I also got "too many revolving accounts," and "utilization on revolving accounts too high," which is fantastic, since I only have 3 credit cards; 1 card empty, and the other 2 with, together, a grand total of... $8,000. (dental surgery is _expensive_ when you don't have insurance).
By the way, I have a credit score of 700. I've been told that's not awful.
All together, car note included, I have about $15,000 worth of debt, maybe a little more (netflix + fastfood addiction). Man, you know the economy is in the shitter when a bank considers that too much debt.