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CC reconsiderations

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Erika3o3
Regular Contributor

CC reconsiderations

Is it normal for it to take 1-3 business days? I talk to the EO yesterday morning and he said he would get back to me with an answer early next week. Is that normal?

Fico 8 Scores as of 5/29/21
Equifax: 606 / Transunion 641 / Experian 647

Captial One Platinum: $500
Capital One QuickSilver: $2000
Discover IT: $1,500
Kohls: $300
Message 1 of 11
10 REPLIES 10
myjourney
Super Contributor

Re: CC reconsiderations

yes its normal

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 11
Erika3o3
Regular Contributor

Re: CC reconsiderations

Ok thanks for the reply. I see a lot on this board that many people call an seem to get an answer right away. So i wasnt sure if it was normal. Smiley Happy

Fico 8 Scores as of 5/29/21
Equifax: 606 / Transunion 641 / Experian 647

Captial One Platinum: $500
Capital One QuickSilver: $2000
Discover IT: $1,500
Kohls: $300
Message 3 of 11
myjourney
Super Contributor

Re: CC reconsiderations

what company? you called or emailed?

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 4 of 11
angelcred10
Regular Contributor

Re: CC reconsiderations

by chance, what are you getting reconsidered as I'm in a similar situation now.

(although no present CC)

Starting Score: 635 Current Score: 659 Discover Pull
Goal Score:720s
Tried to use Images but it was all Wibbly, Wobbly, and Timey-Wimey.
Message 5 of 11
Erika3o3
Regular Contributor

Re: CC reconsiderations

Im trying to get reconcidered fro a Capital 1 card. And I emailed the EO, who then called me yesterday and asked some questions and said they would get back to me early next week

Fico 8 Scores as of 5/29/21
Equifax: 606 / Transunion 641 / Experian 647

Captial One Platinum: $500
Capital One QuickSilver: $2000
Discover IT: $1,500
Kohls: $300
Message 6 of 11
myjourney
Super Contributor

Re: CC reconsiderations


@Erika3o3 wrote:

Im trying to get reconcidered fro a Capital 1 card


Somehow I knew it was CAP1

you will hear from them in that time frame and if you dont im sending you the email address it works...

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 7 of 11
angelcred10
Regular Contributor

Re: CC reconsiderations

oh the irony, I called a number today for Cap1 they told me that I would have to wait until I get the letter to try and recon my app..

It was a number given by one of those horrible chat agents...

 

It was not a backdoor number (not sure which of those would work)

Starting Score: 635 Current Score: 659 Discover Pull
Goal Score:720s
Tried to use Images but it was all Wibbly, Wobbly, and Timey-Wimey.
Message 8 of 11
myjourney
Super Contributor

Re: CC reconsiderations


@angelcred10 wrote:

oh the irony, I called a number today for Cap1 they told me that I would have to wait until I get the letter to try and recon my app..

It was a number given by one of those horrible chat agents...

 

It was not a backdoor number (not sure which of those would work)


@erika not jacking your thread but

 

@Anonymous cap1 may still offer you a secured card...good luck

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 9 of 11
Erika3o3
Regular Contributor

Re: CC reconsiderations

I emailed the CEO first. Then got a call from the EO. He said regardless of the outcome he will contact me early next week. I have not recieved my denial letter either yet but he still sent me for a manual inquriy for reconsideration.

Fico 8 Scores as of 5/29/21
Equifax: 606 / Transunion 641 / Experian 647

Captial One Platinum: $500
Capital One QuickSilver: $2000
Discover IT: $1,500
Kohls: $300
Message 10 of 11
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