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SDFCU EMV Platinum Visa Denied and Sent a Recon Letter

New Contributor

SDFCU EMV Platinum Visa Denied and Sent a Recon Letter

I applied for the SDFCU Visa and was declined due to my Experian being at 628, recent inquiries and "escalating debt". So after reading some posts, I found out that recon letter is the way to go. So this morning, I sent an email explaining my situation. Let's see what happens!

 

Are there any SDFCU members here who got approved with 628 Exp?

 

 

Thanks!

Message 1 of 5
4 REPLIES
Valued Contributor

Re: SDFCU EMV Platinum Visa Denied and Sent a Recon Letter


NyaBuksh wrote:

I applied for the SDFCU Visa and was declined due to my Experian being at 628, recent inquiries and "escalating debt". So after reading some posts, I found out that recon letter is the way to go. So this morning, I sent an email explaining my situation. Let's see what happens!

 

Are there any SDFCU members here who got approved with 628 Exp?

 

 

Thanks!


What was the outcome of your recon letter?

FICO 08-EX: 746 TU: 752 EQ: 750 AAoA: 4yrs TLs: 40 Neg: 0

Credit Limits: $300,000+
Miles: 400,000+
MRPs: 200,000+
Cash Back: $2,000+
Message 2 of 5
Established Contributor

Re: SDFCU EMV Platinum Visa Denied and Sent a Recon Letter

NyaBuksh,

 

I was denied with a 680 E FICO  score. I sent an email to recon and followed with a phone call to Lending Solutions. SDFCU asked for a months worth of pay stubs. About a week after I emailed my pay stubs, I was approved but only at 8.9%. I'm not complaining because this card is the lowest APR card I have.

 

So far I really enjoy this credit union.

Message 3 of 5
Valued Contributor

Re: SDFCU EMV Platinum Visa Denied and Sent a Recon Letter

What CL were you given (if you don't mind me asking)?
FICO 08-EX: 746 TU: 752 EQ: 750 AAoA: 4yrs TLs: 40 Neg: 0

Credit Limits: $300,000+
Miles: 400,000+
MRPs: 200,000+
Cash Back: $2,000+
Message 4 of 5
Established Contributor

Re: SDFCU EMV Platinum Visa Denied and Sent a Recon Letter

My credit limit is $1000.00.
Message 5 of 5