I recently got denied for a Discover More card, I have yet to recieve the reasonl letter, but I plan to recon when it does. For people who have had success with this, how do you manage the conversation? Not sure what I would say if i did call.
I also want to apply for CLI on 2 other CCs. Chase Amazon $600 opened 02/11 and Cap One $500 opened 05/11. Do I call the number on the back of the cards first, or call the backdoor numbers directly? I also read in the backdoor numbers thread that Cap One is not accepting user initiated requests. Does this mean there is no chance of getting a CLI, or will I be denied first and then have to recon?
Thanks for any answers.
Starting Score: MyCreditKeeper - EX:613 EQ:597 TU:640; PSECU EX:629; Walmart TU:631
The scores are from earlier this month. I had also applied for an AMEX zync and got approved. Want to have all INQs done with because I don't plan to app for anything till at least January next year. With the AMEX and my debit card, I have space for one other card and it is going to be whichever of the chase or cap one has the highest limit.
I will try for the Chase, are you saying I shouldn't waste my time with calling Cap one?