It's our bank policy not to provide credit cards to non customers. We had a walk-in apply for a credit card. The credit report was pulled before anyone checked to see if this person was a customer.
The credit score was 672 (within our range). However, 4 of the credit cards on the report are maxed out. 3 new credit cards were opened in the last 6 months for a total of $14,000. One of these cards is maxed out at $8,000.00
We want to deny this application. Is it too late to use the non-customer reason, since we have already pulled a credit report?
Can the other factors in the credit report be used as reasons? if so, how could i state that appropriately?
Thanks in advance for your help!
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