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Frequent Contributor
Posts: 299
Registered: ‎05-28-2012
0

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



Established Member
Posts: 16
Registered: ‎07-10-2012
0

Re: Worth a recon?

[ Edited ]

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
Posts: 367
Registered: ‎06-02-2008
0

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)
--
Homeowner since 05/29/13
Valued Contributor
Posts: 1,053
Registered: ‎12-12-2011
0

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.

 

Walmart / SYNCB - 1,000/12,000 | JCP MasterCard / SYNCB - 5,500 | Dillard's / Wells Fargo - 5,000 | Amazon / SYNCB - 1,000 | Belk / SYNCB - 3,000 | Aeromexico Visa / US Bank - 300 | Capital One - 500/3,700 | Bank Of America 123 Cash Back - 12,000 | Wells Fargo - 300 | AMEX Hilton HHonours - 2,000 | PenFed Platinum Rewards Visa Signature - 30,000 | PenFed Travel Rewards AMEX - 10,000 | PenFed PLOC - 5,000 | PenFed Thrifty Credit - 500 | Discover IT - 8,800 | Wyndham / Barclays - 2,500 | Citi Simplicity - 3,800 | Amazon.com Visa Signature - 5,000 | Chase Freedom Visa Signature - $6,200.
Regular Contributor
Posts: 440
Registered: ‎02-08-2012
0

Re: Worth a recon?

its always worth a recon my friend lol

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit :smileyhappy:
Established Contributor
Posts: 1,039
Registered: ‎02-27-2012
0

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
Posts: 6,260
Registered: ‎08-16-2012
0

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
Posts: 657
Registered: ‎06-27-2012
0

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
Posts: 3,355
Registered: ‎10-19-2012
0

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
Posts: 148
Registered: ‎09-26-2011
0

Re: Worth a recon?

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

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