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Worth a recon?

Frequent Contributor

Worth a recon?

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



16 REPLIES
Established Member

Re: Worth a recon?

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

Frequent Contributor

Re: Worth a recon?

Always recon!!


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
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Homeowner since 05/29/13
Valued Contributor

Re: Worth a recon?


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.

 

Regular Contributor

Re: Worth a recon?

its always worth a recon my friend lol

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit Smiley Happy
Established Contributor

Re: Worth a recon?


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.
AMEX: $0/$25,000, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$14,000, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 743
EX FICO(AMEX) - 712
Senior Contributor

Re: Worth a recon?

Recon, esp if it's the Amason Visa!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor

Re: Worth a recon?

+1 !!!

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Blogger

Re: Worth a recon?

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. 

Regular Contributor

Re: Worth a recon?

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