cam006 wrote:I never had the nerve to recon a declined app in the past, so it's a big deal for me. I applied for the BJ's Visa card since I do a lot of shopping there and can increase my BJ's member reward points for things I'd buy anyway. I got the 7 to 10 day message and got the denial in the mail over the weekend. I figured it couldn't hurt to recon and called the back door number to recon since my credit file may not fit the computer model, but it may be more acceptable to a live person. I was approved for $750 CL - not much but it beats a zero and I didn't want to waste the INQ. BTW- thanks for all those who responded to my previous post I fired First Premier. Definitely doing the happy dance.
CONGRATS!!!
I think I would call back in and see if they can raise that CL a little bit.
youngandcreditwrthy wrote:
I love Barclay's.... I app'ed for the Travelcity Amex.. Got denied.. Called for a recon, got approved for $1,500.. Then the ultra nice rep (I still remember her name!) said if I needed to do bal xfers, she'd call me back in a few days to allow me to get my accounts and amounts together. So.. She called me back actually earlier than the time we agreed upon and increased my limit to $6,500, which was wayyy more than I asked for ($5,000). So hit or miss...who knows, but that Barclay's C Analyst was one of the nicest Ive ever spoke to...unlike Citi or BoA, not bc I got approved, but because she was just nice
Thats awesome!!!
I tried to get a small increase on my new World MC rewards Barclaycard but they said no due to other accounts reporting balances and not enough payment history on them.
Congrats on a successful recon! I'm sure that it feels good to know that an inq wasn't wasted. Enjoy your new card!
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 748, TU 741 (06/01/2013), EX 743 (06/13/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Silver Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 5.7k, Kay Jeweler's 5.1k
Congrats on your recon!
Starting Score: 504Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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