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this was funny

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slap_happy
Frequent Contributor

this was funny

hey guys, again, I just want to say thanks, ive been a member here since about 6 months and what I learned is invaluble, 

you guys have helped me get from high 600's to low 800's in 6 months and changed my way of thinking and managing credit in a better way.

 

last week I got declined for the US bank cash + and I reconned and wound up getting it, so whats funny?

it came in the mail yesterday but there was another letter from US Bank also.... the decline letter!

so I had in my hand a decline letter and the card in my other hand! the power of reconn. Smiley Happy




Message 1 of 7
6 REPLIES 6
coldnmn
Mega Contributor

Re: this was funny

Great story Congrats! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 2 of 7
odd_dog
Valued Contributor

Re: this was funny

That is awesome!! Congrats on the new card, I hear it is a good one!

Message 3 of 7
yudeology101
Senior Contributor

Re: this was funny

That is hilarious!  Go for a spin w/ your new card and make sure it does work! 

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 4 of 7
alvon123
Super Contributor

Re: this was funny

Never give up!!! Congrats!!


Message 5 of 7
colinstu
Regular Contributor

Re: this was funny

Why did they deny you? What did you have to do at the recon to save it? 

FICOs: TU 775 | EQ 784 | EX 773
Amex BCE $15,000 | Discover IT $11,600 | Chase Freedom $7,000 (Visa Sig) | Citi DoubleCash $6,000 (WEMC) | Chase AARP $6,000 | Barclaycard CashForward $4,000 | Barclaycard Rewards $2,000 | Capital One Quicksilver $1,750
Message 6 of 7
slap_happy
Frequent Contributor

Re: this was funny


@colinstu wrote:

Why did they deny you? What did you have to do at the recon to save it? 


I have a 5 yo medical collection on equifax only which naturally is the CR they pulled, so I was instantly declined, this was at night, I called in first thing in the morning, told them that outside of that I have perfect credit with excellent scores, low Util. 7+ years of AAoA etc...

two days later...approved $7500 CL! 

 

always recon!




Message 7 of 7
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