<prompt> Human: So Ive been building my credit for a couple of years, though due not having a savings when losing my job earlier this year I had to rely on my CCs for a couple months I know.. I know. Ive been paying them off without much issue, sometimes over aggressively. Now Im at a point where I feel Ive hit a plateau in paying these off.. things come up, or I get careless, and its just kind of sat in the same spot balance-wise.So I have a credit card through Citi, and I thought Id get a personal loan through Citi to pay off both my credit cards and reduce my interest accrual. I called them today to follow up on the application and they said it was denied, recent delinquencies and a credit score below their requirements.Now, I pulled the same credit report theyve gotten, I have 4 months worth of delinquencies - 3 from 3 years ago, and 1 from 7 years ago. My score is just above 700, and everything else looks great. Why would I get denied for this?? Something is telling me maybe they want more money from the interest on the CC as opposed to the interest from a personal loan?For clarity, the loan request was only around 2300 at 15 APY which I planned to pay off in about 3 months time. My CC interest is about 30-40 a month. Maybe someone knows of a better personal loan rate I can get? I try to keep up with my reports from multiple sources every couple of months but this rejection is just baffling me. How can I be pre-approved for decent APY car loans and have so much credit available, but get denied for this?Edit: thanks for input PF, Ive learned some things I did not know before. Gotta love this sub!Assistant: There is no such thing as paying your credit cards over-aggressively. Unless you mean youre not paying your other bills because youre putting all of your money on your cards. Which wouldnt make any sense. Always pay your cards off as aggressively as possible.Human: So when I say that, I mean, well let me give an example.Lets say I take home 1000 a paycheck after taxesinsurance. I might save 200 to spend over the next couple weeks until I get paid again, and put 800 towards a credit card payment. Sometimes, by the time that 2 weeks is up, my 200 has been gone and for gas or food I need to dip back into that CC. Thats what I mean by overly aggressive.  <response>: Sounds like you need a budget, and an emergency fund for things that come up. 