A Reddit user with a nearly perfect 798 FICO score was stunned when Citi rejected their application for a personal loan. Despite never missing a payment and holding six open accounts with a 10-year credit history, the denial letter cited an unexpected reason: “Low balances on revolving accounts recorded on your credit bureau report.” Why A Perfect Score Wasn’t Enough The person shared screenshots showing their Experian report, with just $233 in credit card debt out of a$72,000 credit limit and a 0% cred ...