I assume the reason why I got declined might be because I use my CCs too much, I barely use my Debit Cards and basically I use $6k off my $15k combined credit line each month..

Amex provided me with a letter why they’re declining my application. Please see below……………..
********************************************************************************
Your American Express Acquisition Risk Score is too high (See below)

Your application was processed using our American Express Proprietary Acquisition Risk Scoring System which assigns a numerical value to the various items of information we consider in evaluating an application. Your application’s total score exceeded our threshold for approval at this time. Listed below are the reasons that you did not score well compared with other applicants. (For reasons based on information in a credit report, the name of the consumer reporting agency is identified.)

Your consumer credit bureau score from Trans Union is too low (See below)

Amount of credit available on accounts (Trans Union)

Proportion of loan balances to loan amount is too high (Trans Union)

Your consumer credit bureau score mentioned above was determined using a scoring system that evaluated the information in your file at the consumer reporting agency named above. The following are the primary factors in your credit report that affected your credit bureau score:

Length of time accounts have been established.

Proportion of revolving balances to revolving credit limits is too high.

Too many inquiries last 12 months.

Time since most recent account opening is too short.
*********************************************************************************
Any idea??
I thought my credit was pretty good and thought I would get approved for Amex blue without any problem.. But I don’t even want an Amex anymore. Can anyone give me suggestions on how I can improve my credit (not just the score, the whole history) and be approved for a good CC later on???