Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! 
nymets010 wrote:I did try to recon with the others. Discover said they wont over turn any initial decision, just to re apply in 45 days. BOA said my credit file wasnt strong enough after my repo. ( I have one Cap one card with 500 cl and a car loan on my credit file, on time for 2 years) Amex reviewed my app, only to deny me again. Anyone have any recon success with the others?
Chase is the only card who really does a true recon, at least thats my experience.
I was also approved for a Wells Fargo Platinum Rewards card about a month ago when i opened my checking account there. They actually gave me a 2,500 limit!
I live in Florida and my EQ Fico is 626. My report has one negative, a TD Auto repo from 2010. They keep reporting it every month, so when creditors look at my file, it looks like the repo just happened! SMH...Also have a lot of inquiries. I tried to buy a house this summer/fall and kept trying different banks. So now ill wait about 6 months or so and let the new cards bump my score a bit!
Barclays is known to be recon friendly.
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