is there any proper way to recon?

omgitsphilly · ‎03-19-2013

I should have stayed in the garden. I just got a Chase Freedom , Amex green Card, Discover It.... BUT NO i wanted a new imac. So i had the guts to app for barcleys apple card FLAT DENIED. 7-10 days answer why i was denied.

What are my chances of reconing this succesfully? and this would be my first recon... how do i go about this. New to all this. Thanks would love feedback

navigatethis12 · ‎03-19-2013

First you can ask why it was denied and then ask if it can be manually reviewed. I was declined by Barclays for inquiries and after saying I was just trying to establish credit, they approved it.

omgitsphilly · ‎03-19-2013

Which is what im going to say tomorrow. Want to establish credit. hopefully i get approved even if its 1k

myjourney · ‎03-19-2013

You may also want to state in the conversation why you wanted that particular card.

I.E. BT,0%, APR rewards etc etc

This can be helpful in convincing the lender it fits the portfolio your building and you made a knowledgeable decision in choosing there product

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

VirtualCuriosity · ‎03-19-2013

@myjourney wrote:
You may also want to state in the conversation why you wanted that particular card.
I.E. BT,0%, APR rewards etc etc

This can be helpful in convincing the lender it fits the portfolio your building and you made a knowledgeable decision in choosing there product

I like the way you're thinking. I might try that when I get my BOA letter too.

TU713, EQ 731 , EX 726 (As of 12/13/14) - Personal Goal = 760

“Beware of little expenses. A small leak will sink a great ship” – Benjamin Franklin

Gardening since 3-26-15

myjourney · ‎03-19-2013

@VirtualCuriosity wrote:
@myjourney wrote:
You may also want to state in the conversation why you wanted that particular card.
I.E. BT,0%, APR rewards etc etc

This can be helpful in convincing the lender it fits the portfolio your building and you made a knowledgeable decision in choosing there product
I like the way you're thinking. I might try that when I get my BOA letter too.

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

omgitsphilly · ‎03-19-2013

Thanks ill try them all. I hope i pass. Even with low CL. I just hate getting denied after getting all the above cards i stated

WarJar101 · ‎03-20-2013

I got denied for Discover It Student, and approved for AMEXs. How do you think I feel? Lol.

Rebuilding...been out of the game for a minute. Now, after suffering I'm back with greater wisdom. Scores: Currently @ around 6 teens to 20's, across all three EQ,TU, EX

LS2982 · ‎03-20-2013

Well??? Any good news OP??

EQ FICO 548 3/3/16