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Frequent Contributor
JPersat
Posts: 299
Registered: ‎05-28-2012

Worth a recon?

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‎10-20-2012 06:00 AM

Got an email from amazon as to why my store card app was declined..too many inquiries on TU. There were 12 at time of app, 7 were from the mortgage process we were going thru, and three of the other five were over 1yr old.

They're all explainable, but is an amazon store card worth it?

Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660


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Established Member
Iamvee
Posts: 16
Registered: ‎07-10-2012

Re: Worth a recon?

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‎10-20-2012 06:16 AM - edited ‎10-20-2012 06:45 AM

If it's worth applying for and recieve a hard inquiry then it's worth a shot at a recon.

Fico score: TU: 684 Date 8/8/2012 EQ : 647 Date 8/25/2012
EX: 651 Date 7/21/2012
Wallet: CAP one: 300 // AMEX Zync: 500
Garden since 8/18/12
Goal: 750 across the board

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somnipotent
Posts: 301
Registered: ‎06-02-2008

Re: Worth a recon?

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‎10-20-2012 06:41 AM

Always recon!!

AMEX PRG | AMEX Costco TrueEarnings | AMEX Delta SkyMiles Gold | CHASE United MileagePlus Explorer | CHASE Sapphire Preferred | CHASE Freedom | Capital One NHR | GE Walmart | GE Amazon
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Established Contributor
corymcd88
Posts: 510
Registered: ‎12-12-2011

Re: Worth a recon?

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‎10-20-2012 06:51 AM

JPersat wrote:
Got an email from amazon as to why my store card app was declined..too many inquiries on TU. There were 12 at time of app, 7 were from the mortgage process we were going thru, and three of the other five were over 1yr old.

They're all explainable, but is an amazon store card worth it?

Did you apply for the Chase Visa or the GE Store Card.

 

Walmart / GECRB - 1,900/1,800, JCP / GECRB - 1,300, Dillard's / GECRB - 1,000, Amazon / GECRB - 1,700, Chevron / GECRB - 1,300, Belk / GECRB - 1,563, QVC / GECRB - 700, US Bank - 300, Credit One - 750, Capital One - 375/500, Bank Of America 123 Cash Back - 300, Wells Fargo - 300, AMEX ZYNC - NPSL ($2,500), USAA AMEX - 250, PenFed Personal Loan - 250, PenFed Personal Loan - 400.
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Regular Contributor
Tommy5746
Posts: 440
Registered: ‎02-08-2012

Re: Worth a recon?

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‎10-20-2012 07:33 AM

its always worth a recon my friend lol

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit :smileyhappy:
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Established Contributor
SwiftTone
Posts: 984
Registered: ‎02-27-2012

Re: Worth a recon?

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‎10-20-2012 08:11 AM

JPersat wrote:
Got an email from amazon as to why my store card app was declined..too many inquiries on TU. There were 12 at time of app, 7 were from the mortgage process we were going thru, and three of the other five were over 1yr old.

They're all explainable, but is an amazon store card worth it?

Your situation is def worth a recon.
BCE: $0/$8500, CSP: $15/$5000, Chase Priority Club: $0/$3500, Freedom: $0/$5000, Barclays NFL: $0/$7000 Discover: $0/$4750, Citi Dividend: $0/$2000 Cap1 x2 $0/$2250

EQ FICO - 07/2012: 699, 08/2012: 714, 10/2012: 729, 11/2012: 686, 12/2012: 723, 01/2013: 737, 03/2013: 725, 04/2013: 734, 05/2013: 736
EX FICO(AMEX) - 10/2012: 712
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Valued Contributor
youngandcreditwrthy
Posts: 3,765
Registered: ‎08-16-2012

Re: Worth a recon?

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‎10-20-2012 09:31 AM

Recon, esp if it's the Amason Visa!!
Paypal Extras Plat MC $25k | Lowe's $12k | Amex BCE $10.5K | WMT Discover $15k | Ban Repub Visa $14k | Dillard's $10k | Travelocity Amex $7.7k | JCP $6.5K | Smile Gen $6.25k | Freedom Visa $5k | Citi Dia Pref $5k | C1 No Hassle Cash Visa $5k | Discover IT $4.75k | Amazon Store $10k | ANFitch $2.95k | Express $3.05K | Chevron $2.1k | Orchard Gold $1.7k
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Established Contributor
migliogiorni
Posts: 582
Registered: ‎06-27-2012

Re: Worth a recon?

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‎10-20-2012 10:53 AM

+1 !!!

 

Dallas Cowboys Fan :smileyvery-happy:
Wally: 5k
BofA: 4.9k
Chase: 4k
Citi: 3.5k
JCP: 2.4k
DFS: 2k
Discover: 1.25 k
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Blogger
HiLine
Posts: 1,608
Registered: ‎10-19-2012

Re: Worth a recon?

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‎10-20-2012 10:57 AM

It takes you about 5 minutes. At worst, you lose 5 minutes of your lifetime. At best, you get your card application approved right away without much talking. 

---> HiLine's personal finance blog - Follow my journey!  :smileylol:


-Taking a break from the forums from 4/23/2013 :smileysad:
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Regular Contributor
kwazziee
Posts: 148
Registered: ‎09-26-2011

Re: Worth a recon?

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‎10-20-2012 11:42 AM

+1 Already took a HP, why not? Nothing to loose.

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