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@pats23 wrote:
I usually start with introducing myself and telling them that I got the 7-10 message an then ask if there is anything I can do to speed up the decision process and offer to send in proof of income or ID. That alone has gotten me approved. In other cases they have put me on hold and come back and said denied. I then ask specific reason why being very polite. For this example the reason was to much new credit. I then explained that I was only 23 and just starting my credit career an that I plan to be a customer for a Long time to come and the reason for new credit is my interest in starting off relationships with these banks to better my situation in the future. If your denied a card you probably know why before you even calm so just prepare yourself. Recon is definitely about talking your way in. Politely don't take no. I was denied my freedom the second time I got it and I asked the guy to look at my payment history and util on my later cards and pleaded that I clearly demonstrated responsible credit and then was approved. If your good and prepared you can talk your way into approval if you deserve it. Sorry for long explanation. Hope it helped
"Talking your way in" is a lot easier for some people than others. I cave pretty quickly...