Duncanrr wrote:There are some good numbers in the sticky threads on this board for backdoor recons. Call them in morning and follow-up. You could try no but its late. (Also, tomorrow if federal holiday so not sure if they will be there.)
Alright, I will hopefully have time to conference call them Tuesday with her.
Duncanrr wrote:
Good luck. Be honest, feed their ego by saving why u want the card and why it's a good fit. And be prepared to discuss any negatives on credit report. I did this Chase for freedom card and was approved.
According to credit karma (with her permission) she has no deragetory marks, a 99% on time payment history 260/263, 33% utilization 5.4k/16.4k, AAoA 3 years 7 months oldest 7 years, 21 accounts, 2 Hp's last 2 years, 712 FAKO. So I hope all goes well for her. She needs to be approved for a good limit, which may be a problem because she has a low income of 27.6k.
She got approved for the Slate with a $5k limit and has completed the transfers. Lets hope she gets her debt paid down some and just doesn't use this as an opportunity to rack up more debt.
She didn't get the instant approval because she already had the card and didn't know it. Apparently several years back she had WAMU so they must have ported her over to the slate, it only had an $800 limit. They just closed out that account and asked us what limit we wanted. We said $5k would be good and they said okay, was that easy. All the promotions were given.
