I don't know about making chit chat. I'm the kind of person who keeps it short and sweet and gets to the point immediately. I think people appreciate that. This is what I say: Hi, I recently applied for a credit card and was denied. I was wondering if it was possible to have it reconsidered? And they say ok, let me check. I always speak with kindness and respect and try to speak clearly and calmly. If they say no, I say ok, thank you. hey usually will tell you what you need to work on to be approved in the future. That's it, just be nice.
Can anyone chime in about successful Barclaycard recons? I'm calling in tomorrow morning for mine. Who thinks that this thread should be a sticky, right underneath backdoor numbers? 
@Anonymous wrote:
Can anyone chime in about successful Barclaycard recons? I'm calling in tomorrow morning for mine. Who thinks that this thread should be a sticky, right underneath backdoor numbers?
Barclay's is probably the easiest lender to recon with.. They are willing to hear you out and let you explain any baddies on your report you might have and more times then not they will give you something vs. nothing.. They do want a credit history of at least a year... Wish you luck, they are decent to work with for sure!
I had to recon with Barclays. I just asked for more inforrmation into my denial. Then I began to explain any reasons that were given. They overturned it no problem.
I haven't had to recon with Capital One, but I would say to just speak with them nicely and if they can't help you, call the EO.
