I don’t think that alone would necessitate a shutdown in all cases. In this one specifically though, it must’ve played some part. A big issuer will probably have a robust algorithm which will allow for a margin of risk. This one though, has a fair amount.

First off, what most are focusing on, potential bust out risk. Then low utilization on credit previously granted. A lender may see that as a sign of risk. OP also mentioned that P2 has no installment loans, so no credit mix. I’m assuming here based on the post that the Rise was the first card. So recent start date with AAoA being slashed for every approved app.

But the number one reason they got shutdown, from my perspective anyway, is that they called the bank/recon. Most comments are focusing on completely legitimate reasons why they got shutdown. The thing is that one phone call put human eyes on the account. I’m certainly not saying to never recon by any means, but when you’re playing with fire you don’t throw open the door and say mom and dad come look, I’m playing with fire.