A Reddit user with a near-perfect 798 FICO score was denied a personal loan by Citi. The reason? Low balances on revolving accounts. Despite having $233 in credit card debt out of a $72,000 limit and 0% utilization, their habit of paying off balances before the statement date made them seem inactive to lenders. To show credit usage, it is suggested to let a small balance post each month before paying it off. Some lenders may get suspicious when a loan applicant has zero visible debt, as it may raise questions about the need for a loan. The original poster plans to change their approach by carrying some debt and paying it off to demonstrate debt management skills.

Read more at Yahoo Finance: They Had An 798 Credit Score But Still Got Rejected For A Personal Loan. Here’s The Unusual Mistake They Kept Making Over And Over