topic Re: Need advice for Recon in Credit Card Applications

Need advice for Recon

Anonymous — Sun, 22 Jan 2017 04:34:16 GMT

What is a good reason to say for why I have "too many credit inquiries"?? I am going to call for recon on a Best Buy card.

I'm going to say 3 were CLI requests for cards already opened which I thought were soft pulls. But I still need one or two more reasons.

What have you all said in the past? Or what can you think of?

TIA

Re: Need advice for Recon

Aduke1122 — Sun, 22 Jan 2017 06:57:04 GMT

Well I tell them the truth that I was repairing and building positive credit lines and that is why I have so many new accts and inquiries. Guess it just depends on your personal situation.

Re: Need advice for Recon

csryang — Sun, 22 Jan 2017 07:13:09 GMT

@Anonymous wrote:
What is a good reason to say for why I have "too many credit inquiries"?? I am going to call for recon on a Best Buy card.

I'm going to say 3 were CLI requests for cards already opened which I thought were soft pulls. But I still need one or two more reasons.

What have you all said in the past? Or what can you think of?

TIA

Best buy card is with Citi right? Were you denied or was it pending? If it's just pending, it's easy to turn that into an approval. If it was denied, it's nearly impossible to have them reconsidered...the frontline agents for recon cannot do much. You can check out my previous post on my Citi recon experience...

It's better to just go to a branch for recon or call executive office.

Re: Need advice for Recon

Anonymous — Sun, 22 Jan 2017 08:09:30 GMT

It's denied. I don't call for recons.... ever. I always send letters to the EO or address them to UW Manager. So far... I've went 9 for 10 in the last 2 yrs doing it that way.

Re: Need advice for Recon

AverageJoesCredit — Sun, 22 Jan 2017 12:25:37 GMT

Thats a good percentage DJ, stick with works. Best Buy/ Citi is kinda weird. I burned Citi in my bk but when i applied for BB got the $2000k approval with choice of store or visa, viss duh, wirh my bk still on report. Ill tell one thing sometimes when you call for a cli they want a 10 page account on why you want more. Good luck if you decide to recon

Re: Need advice for Recon

Anonymous — Sun, 22 Jan 2017 13:00:16 GMT

Thx. BB is like a thorn for me. I have been denied countless times in the last 2 years for this card. I My EQ is good now. it's always been denied for my last CO which is gone now and too many INQs. I'm gonna try Recon first to save the HP but if that doesn't work I think I would finally get it now that my EQ is clean and around 750

Re: Need advice for Recon

AverageJoesCredit — Sun, 22 Jan 2017 15:59:46 GMT

I feel ya, Discover was mine these last two years. One would think we'd just move on but i guess the lure for what we cant have is too strong sometimes

Re: Need advice for Recon

Anonymous — Mon, 23 Jan 2017 02:14:19 GMT

I've only had to recon twice but I am always honest with the reasoning- for me it's rebuilding. I've always heard BB is a weird one. I had a BB card way way back in the day, but have yet to get the one backed by Citi. Do you app in the store or online? I feel like in store would be easier for approval...

Re: Need advice for Recon

UncleB — Mon, 23 Jan 2017 02:37:31 GMT

@Anonymous wrote:
What is a good reason to say for why I have "too many credit inquiries"?? I am going to call for recon on a Best Buy card.

I'm going to say 3 were CLI requests for cards already opened which I thought were soft pulls. But I still need one or two more reasons.

What have you all said in the past? Or what can you think of?

TIA

I'm no expert in recons, but I know who is... @pizza1. IMO she's the master!

Hopefully she'll be able to share some of her tips.

Re: Need advice for Recon

Anonymous — Mon, 23 Jan 2017 04:25:35 GMT

@joe.... it's like some messed up fetish I have with them. I don't even know how much I would use it anymore.... but it just bothers me I can't get the **bleep** card.

Everyone else thx for the replies. Always had good luck with my recons so I will do them. Just wanted advice on how to handle the Inq reasoning. I like the rebuilding thing but idk if they will believe that now that my TU and EQ are both above 750. I'll have to word it the right way.
I'll keep this updated with my results .

Re: Need advice for Recon

bk510 — Tue, 24 Jan 2017 05:26:27 GMT

@AverageJoesCredit wrote:
Thats a good percentage DJ, stick with works. Best Buy/ Citi is kinda weird. I burned Citi in my bk but when i applied for BB got the $2000k approval with choice of store or visa, viss duh, wirh my bk still on report. Ill tell one thing sometimes when you call for a cli they want a 10 page account on why you want more. Good luck if you decide to recon

I know citi has a long memory but still, at this point you were 9 yrs post BK, Am I correct Joe?

I've considering Best Buy card for a while.....Going on close to 5 yrs post BK.

Re: Need advice for Recon

Anonymous — Tue, 24 Jan 2017 09:39:25 GMT

OP have you tried applying in the store? I got approved in the store back when my BK was still showing along with unpaid collection and 2-year-old late pays.

Re: Need advice for Recon

Anonymous — Tue, 24 Jan 2017 10:37:34 GMT

No I haven't.... didn't want to get denied in person. Lol. #Embarassing!

Re: Need advice for Recon

Anonymous — Tue, 24 Jan 2017 13:05:06 GMT

@Anonymous wrote:
No I haven't.... didn't want to get denied in person. Lol. #Embarassing!

I've heard that an applicant is more likely to get approved in the store. If the recon does not work for you, try applying in the store. When I applied in the store, it pulled TU only (if I remember correctly) and my TU was about 670 (if I remember correctly). The cashier who inputted my information seemed to care less if I was denied or approved; therefore, don't be scared to apply in person.

Re: Need advice for Recon

Anonymous — Tue, 24 Jan 2017 20:11:07 GMT

Thx. I will possibly. Both my TU & EQ are in good shape and good scores-so maybe that will be the key.

Citi always pulls EX for me online. I hate it. I wish I could get Citi to pull EQ for me. I thought of doing an app over the phone and maybe that would cause them to pull EQ