BN: The sum of your bank credit card account balances is too high.
The total combined amount you owe on all of your bank credit card accounts is high, a sign of increased risk. People who carry balances on multiple bank credit cards have reduced available credit to use if needed, creating a greater chance of becoming overextended.
Pay down the balances on your accounts. Ideally, the balance on any revolving account should be 30% or less of the total credit limit on that account.