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TIP: ALWAYS ALWAYS CALL FOR RECON ON DENIALS!!...

Contributor

TIP: ALWAYS ALWAYS CALL FOR RECON ON DENIALS!!...

I applied for a Bank of America Secured Credit Card for $1,000.00.  Today, I got a denial in the mail!  What? Denial? For a secured credit card?  I called and the woman I spoke to stated that because of prior late payments and charge offs, they cannot give me a card.  Excuse me? Isn't this the purpose of a "secured" credit card to build and rebuild credit?  All my prior bad debts were paid in full and I have two opened cards that I've been doing right by for the past 6 months.  I only have a $50.00 balance on each of my opened credit cards.  My yearly salary is more that $50k.  I can obviously afford to pay.  How in the world can you deny me for a secured cc.  After going back and forth, I asked to speak with someone else.  He looked at my report and approved me right away.  He had no idea why I was denied.  Thank god I called and then asked to speak with someone else because if not I would have had a hard pull for nothing.

 

So Tip: ALWAYS CALL FOR RECON..DON'T GIVE UP TOO EASY!

Message 1 of 7
6 REPLIES
Moderator Emeritus

Re: TIP: ALWAYS ALWAYS CALL FOR RECON ON DENIALS!!...

Nice work. Congrats!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 7
Regular Contributor

Re: TIP: ALWAYS ALWAYS CALL FOR RECON ON DENIALS!!...

Great work! I agree 100% what you said.
Bankrupcy 7 Filed 2/20/2012
Discharged 6/18/2012
FICO as of 7/6/2012
TU 630 Classic (04)
EQ 641 FACTA Beacon 5.0
EX 607 Fair Isaac (ver. 2)

Message 3 of 7
New Member

Re: TIP: ALWAYS ALWAYS CALL FOR RECON ON DENIALS!!...

A recon isnt over until you're approved!! Keep calling until you get what you want! Good for you

Message 4 of 7
Regular Contributor

Re: TIP: ALWAYS ALWAYS CALL FOR RECON ON DENIALS!!...

congrats!!!

Message 5 of 7
Regular Contributor

Re: TIP: ALWAYS ALWAYS CALL FOR RECON ON DENIALS!!...

Congrats


No apps until 8/2014
March 2013 Starting FICO Score: EQ: 584 TU: 564 EX: ??
August 2013 Current FICO Scores: EQ:664 EX:684 Walmart TU: 666
Message 6 of 7
Highlighted
Contributor

Re: TIP: ALWAYS ALWAYS CALL FOR RECON ON DENIALS!!...

THANKS!

Message 7 of 7