Recon chances with Citi and Capital One

[MrCollector]

I've been reading thoroughly through these forums over the last two weeks, and I've learned more here than I ever thought I would know about credit cards and credit reports, so I want to thank you all.

My one and only credit card up until two weeks ago was a capital one platinum card, which I've diligently paid on time every month. I recently went to find out if I can get a CLI, which they were kind enough to give me, bumping my CL from $750 to $1.25K. The increase got me interested in finding out more about my credit score and the possibilities of new cards, which led me to this forum. I found out through Capital One credit tracker that my score was 708 (TU) and scores from the other bureaus were in the same range 692 (EX) 688 (EQ). I learned that I needed to improve my credit utilization (67%), and the combination of paying off the Platinum (which will be done next week), and adding a few cards to my collection with accomplish this. After long nights of reading through dozens of threads and posts I decided to apply for a few cards.

I applied for the Amex BCE, for which I was promptly approved, to my surprise. It was a moonshot, in my opinion, especially as it would be my second card ever. The bubble burst after I applied for the Capital One VentureOne card and was denied, but I kept pressing on. The Chase Freedom, Discover it, and a PC from Platinum to QuicksilverOne were all approved within three days last week, a day after the denial.

Yesterday, I decided to apply for two more cards. I decided on the Citi Simplicity, and the Amex Gold Delta. The former was denied, and the latter was approved. In total, I was four for six on apps over the last two weeks, bumping my available credit from $750 to $6.5K in less than a month. 

With the successes I've had with notoriously difficult lenders like Amex, should I use that as leverage to recon the VentureOne and Simplicity cards, or leave well enough alone?

[SunriseEarth]

---

@MrCollector wrote:

I've been reading thoroughly through these forums over the last two weeks, and I've learned more here than I ever thought I would know about credit cards and credit reports, so I want to thank you all.

My one and only credit card up until two weeks ago was a capital one platinum card, which I've diligently paid on time every month. I recently went to find out if I can get a CLI, which they were kind enough to give me, bumping my CL from $750 to $1.25K. The increase got me interested in finding out more about my credit score and the possibilities of new cards, which led me to this forum. I found out through Capital One credit tracker that my score was 708 (TU) and scores from the other bureaus were in the same range 692 (EX) 688 (EQ). I learned that I needed to improve my credit utilization (67%), and the combination of paying off the Platinum (which will be done next week), and adding a few cards to my collection with accomplish this. After long nights of reading through dozens of threads and posts I decided to apply for a few cards.

I applied for the Amex BCE, for which I was promptly approved, to my surprise. It was a moonshot, in my opinion, especially as it would be my second card ever. The bubble burst after I applied for the Capital One VentureOne card and was denied, but I kept pressing on. The Chase Freedom, Discover it, and a PC from Platinum to QuicksilverOne were all approved within three days last week, a day after the denial.

Yesterday, I decided to apply for two more cards. I decided on the Citi Simplicity, and the Amex Gold Delta. The former was denied, and the latter was approved. In total, I was four for six on apps over the last two weeks, bumping my available credit from $750 to $6.5K in less than a month. 

With the successes I've had with notoriously difficult lenders like Amex, should I use that as leverage to recon the VentureOne and Simplicity cards, or leave well enough alone?

---

Congrats!   You took the HP for the Venture, so you should absolutely recon it!  Recons are just another SP, so there's no harm no foul

[B335is]

Citi has been better with reconsideration in the last few months so its worth a try: (866) 606-2961

[MrCollector]

Called Capital One and asked for a manual review, which they said would be completed within 15 business days (seems like a long time to me). Citi said I have to wait for the letter to arrive. Is Citi known for being tougher to get than Amex?