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Established Member
Posts: 23
Registered: ‎05-13-2012
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Credit card rejection

Is it possible to be rejected for a credit card, and within thirty days of that rejection have positive info reported to your credit report.. And actually receive the card anyway? Or would another application have to be submitted to obtain the card?

Handle ya bidness, It pays!
Valued Contributor
Posts: 1,954
Registered: ‎01-24-2012
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Re: Credit card rejection

I have never heard of something like this happening. It is possible that they keep the application and such on file and review it on their own. You can ring the lender and ask for a reconsideration yourself and you may get one without another credit check. You could also ring them when the new information updates and just ask them to refresh the report they have on file, but that would be no different from a new application.

Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008
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Re: Credit card rejection


whatamess wrote:

Is it possible to be rejected for a credit card, and within thirty days of that rejection have positive info reported to your credit report.. And actually receive the card anyway? Or would another application have to be submitted to obtain the card?


Yes, buts YMMV. Its called recon. Some CCC like Chase keep your application and report on file for 30 days and you 30 days to recon. They ask you if they would pull another report. But like I said YMMV, all lenders are different


$100K in Credit
Last Credit Card App: 11/16/13
Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
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Re: Credit card rejection

It happened to me. I applied for the Chase Freedom and was denied. I did a recon and was approved but as the recon was still in process of being reviewed, I received a denial letter for the card even though I ultimately got it. It was nerve racking!
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! :smileyhappy: Last App: 4/5/13 Gardening until July 2014

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