topic Re: DP: USB AR Denied, Recon failed in Credit Card Applications

DP: USB AR Denied, Recon failed

Cdog0927 — Wed, 04 Oct 2023 20:37:33 GMT

Credit: 730 experian

Income: 77k

Credit History: 9 years

Ive had 2 vehichle loans in last 8 years, had a 30 day late 5 years ago, and a 30,60 late 6 years ago. Called recon, denied manual review, denied based on payment history. Try again or move on?

Re: DP: USB AR Denied, Recon failed

coldfusion — Wed, 04 Oct 2023 21:11:12 GMT

Move on.

Did the recon cost you another hard pull? That doesn't have any particular relevance regarding your outcome but it's a potentially useful datapoint to the community here at large.

Re: DP: USB AR Denied, Recon failed

Cdog0927 — Wed, 04 Oct 2023 21:19:03 GMT

No, she said no to a manual review. So it may not even be considered a recon. She just said that my payment history was incompatible with this card.

Re: DP: USB AR Denied, Recon failed

OCONUS — Thu, 05 Oct 2023 00:00:58 GMT

@Cdog0927 wrote:
No, she said no to a manual review. So it may not even be considered a recon. She just said that my payment history was incompatible with this card.

I was approved for an USBAR with a 10K three weeks ago with a TU 713, UtiI 2%. I have two CA from 2021, a vehicle loan with 30x10, 60x2, 90x1, 120x1 from 2019. USBANK is strange!

Re: DP: USB AR Denied, Recon failed

Cdog0927 — Thu, 05 Oct 2023 00:31:57 GMT

@OCONUS wrote:
@Cdog0927 wrote:
No, she said no to a manual review. So it may not even be considered a recon. She just said that my payment history was incompatible with this card.
I was approved for an USBAR with a 10K three weeks ago with a TU 713, UtiI 2%. I have two CA from 2021, a vehicle loan with 30x10, 60x2, 90x1, 120x1 from 2019. USBANK is strange!

Wow. That seems to be a wildly different experience. I wonder what i could have done differently.

Re: DP: USB AR Denied, Recon failed

OCONUS — Thu, 05 Oct 2023 00:39:53 GMT

@Cdog0927 wrote:

@OCONUS wrote:
@Cdog0927 wrote:
No, she said no to a manual review. So it may not even be considered a recon. She just said that my payment history was incompatible with this card.
I was approved for an USBAR with a 10K three weeks ago with a TU 713, UtiI 2%. I have two CA from 2021, a vehicle loan with 30x10, 60x2, 90x1, 120x1 from 2019. USBANK is strange!
Wow. That seems to be a wildly different experience. I wonder what i could have done differently.

It may be that I already have two existing cards with them. I did try Recon for a higher SL and it was no go. They are famous to be a TU puller if I am not mistaken.