Why did my bank deny my credit limit increase request this morning and what factors do they look at behind the scenes?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Why did my bank deny my credit limit increase request this morning and what factors do they look at behind the scenes?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 1 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
CFPB credit card credit limit increase denied adverse action notice reasons income credit report factors Google ↗
credit card issuer credit limit increase factors payment history income utilization internal account history official Google ↗
- Risk Management Examination Manual for Credit Card Activities Chapter IX · fdic.gov
- Interagency Guidance on Credit Card Lending · federalreserve.gov
- The Fed - More Credit, More Debt: New Evidence on Automated Credit Decisions · federalreserve.gov
- What can I do if my credit application was denied because of my credit report? · consumerfinance.gov
- Consumer Financial Protection Bureau Pt. 1002, App. C · govinfo.gov
- AnnualCreditReport.com · annualcreditreport.com
- Increasing your credit limit · capitalone.com
- Credit Cards FAQs · navyfederal.org
- Frequently Asked Questions about Credit Limit Increases · chase.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB credit card credit limit increase denied adverse action notice reasons income credit report factors OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
credit card issuer credit limit increase factors payment history income utilization internal account history official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |