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@Emdee_MD wrote:
What is the process of a recon? I applied for an Amex green card and was denied. Do you call the 800 number and speak with a CSR and ask for it? Is it something they can perform over the phone completely or does it require someone to contact me back later? Any info would be appreciated.
You can call AMEX but they are a very hard cookie to crack if what they denied you for is accurate. There has to be inaccuracies for them to reconsider.
AmEx: 800-567-1083 (App Status - Use with caution if attempting a denied app recon; have been advised by one member that they can only resubmit app with another hard pull)
Quick question for this forum on Recon.... anyone know which number to call to get approved for a Discover IT card? I want that in my wallet
@NewBreed wrote:Quick question for this forum on Recon.... anyone know which number to call to get approved for a Discover IT card? I want that in my wallet
1800 DISCOVER or 888-676-3695
The reason for denial was a judgement that is on my CR from mid last year. My old apartment complex argued that I did not give them 2 month notice before my lease ended that I would not be renewing and auto-renewed. It ended up being for $3,400 because I was too naive to try and resolve the issue and let it go to court. The Judgement has been satisfied since Feb of this year, so I figured I would give applying a shot. I may have gotten a little credit hungry the past 9 months or so. My AAoA is only 1yr 9mos now because I opened a few new credit lines. ( Target Red Card: $250 / Amazon $600 / Aber&Fit $250 and Jared $5100 ) on top of my older cards. (Cap 1 Orbitz $1k / Cap 1 Plat $500 / and CSP $5k).
I am in the process of rebuilding my credit, and my goal is to get to the mid 700's and get the Amex BCE. I figured a Charge card with them would help establish a relationship for when I do apply.
I have no late payments on any of my cards, I had an auto loan from 08-13 which is paid off with no late payments, and I bought a house in August of 12' with no late payments there. However, I am carrying about 87% util on my CSP which I have been paying down each month. I use the 2 capital one cards monthly and run about 50-75$ on them and pay them at each billing cycle.
I guess at this point, time will be my best friend. I have a lot of INQ on my CR. but that didnt show on the reason for denial.
@Emdee_MD wrote:The reason for denial was a judgement that is on my CR from mid last year. My old apartment complex argued that I did not give them 2 month notice before my lease ended that I would not be renewing and auto-renewed. It ended up being for $3,400 because I was too naive to try and resolve the issue and let it go to court. The Judgement has been satisfied since Feb of this year, so I figured I would give applying a shot. I may have gotten a little credit hungry the past 9 months or so. My AAoA is only 1yr 9mos now because I opened a few new credit lines. ( Target Red Card: $250 / Amazon $600 / Aber&Fit $250 and Jared $5100 ) on top of my older cards. (Cap 1 Orbitz $1k / Cap 1 Plat $500 / and CSP $5k).
I am in the process of rebuilding my credit, and my goal is to get to the mid 700's and get the Amex BCE. I figured a Charge card with them would help establish a relationship for when I do apply.
I have no late payments on any of my cards, I had an auto loan from 08-13 which is paid off with no late payments, and I bought a house in August of 12' with no late payments there. However, I am carrying about 87% util on my CSP which I have been paying down each month. I use the 2 capital one cards monthly and run about 50-75$ on them and pay them at each billing cycle.
I guess at this point, time will be my best friend. I have a lot of INQ on my CR. but that didnt show on the reason for denial.
Your correct that time will be your friend. I think AMEX may be a year or so away. Let the baddies / new accounts age for a bit.
I guess the best thing is that the judgement is satisfied, pif. let the waiting game begin /;
@Emdee_MD wrote:I guess the best thing is that the judgement is satisfied, pif. let the waiting game begin /;
Good decision to wait BRAVO
Do a search for GW for best results