12-07-2011 03:11 PM
12-13-2011 08:42 PM
im still curious if a bank rep is like a CSR who has a say in whether to reconsider...or whether they have to call someone else to get the reconsideration.
12-13-2011 08:56 PM
Unfortunately she wouldn't have any power. Credit card decisions always either go through an automated system (at which point they don't need to do anything anyway), or through the lending department. If it goes through the lending department, it's going to be a credit analyst/underwriter that makes the decision on the app, not a personal banker. So there's really nothing she'd be able to do in your favor.
The only thing I can think of is if she (or any other banker) contacts the bank's underwriting department and speaks to someone there, the underwriter MIGHT be slightly more inclined to turn a denial into an approval. But I really wouldn't count on it.
So the short answer is no, they're not going to make it any easier for you to get a credit card approved.