I do not understand why, I have a good salary, and I work officially, it is true only 4 months, but in the terms of the loan write that the period of employment at the last place is not important.
I have a mortgage, I pay on time, and there are three credit cards, which I always pay off on time. Several years ago I also had two small loans, which I also paid off without a delay. I take more than I can afford - a million and a half. To date, no debts except my mortgage, but even there the amount of monthly payment is quite small.
And already a refusal comes from the third bank. What can be the reason? How do some people manage to accumulate a lot of credit?