topic Re: To Rcon or not .. That is the question! in Credit Cards

To Rcon or not .. That is the question!

Woolfman — Mon, 23 Mar 2009 22:50:34 GMT

Well i applied for Chase last week and got my letter in the mail today they denied me due to

"To many recent requests for credit or reviews of your credit."

They pulled EQ on me . Myfico scorewatch currently says i have 21 inquiries on my report . Alot of them are from buying a house and a car in Sept and Nov.

Should i try to call them and explain that ? My TU only has 5 on it . Would they pull that one instead? Or should i just chalk it up and forget about it. I have no baddies . My AAOA is right at a year . and utility is right around 10 percent if not less .

Thanks for reading and any suggestions are really appreciated!

Re: To Rcon or not .. That is the question!

Anonymous — Mon, 23 Mar 2009 23:42:05 GMT

Yeah, I'd recon if I were you. They're usually pretty understanding about that sorta stuff. I had the same issue a little while ago and successfully reconned 3 denied apps and received generous limits. My excessive inquiries were credit card apps though, not sure if it matters that yours were for a mortgage/auto.

Re: To Rcon or not .. That is the question!

billsfan14 — Mon, 23 Mar 2009 23:44:02 GMT

I def do a recon! Chase is pretty easy on them... There's another thread right below this with the same question. Check out my answer there for more info.

Good luck!

Re: To Rcon or not .. That is the question!

Woolfman — Mon, 23 Mar 2009 23:51:57 GMT

Thank you to both of you for your advice . I did see that other thread after i posted mine but i didnt want to hijack his thread.

I assume its better to call the back door number during normal business hours and not at night and such ?

This will be my first time trying to Rcon an application But would really like to toss the orchard bank card i have (AF $39)

Re: To Rcon or not .. That is the question!

billsfan14 — Tue, 24 Mar 2009 00:05:46 GMT

Go for it Dave. I was approved with a 711 EQ for $3500 last week, no reason you shouldn't get that.

Re: To Rcon or not .. That is the question!

Woolfman — Tue, 24 Mar 2009 15:11:01 GMT

Well i tried . They still said No .

Too many accounts being opened . She even asked me if i had a Bankrupcty because my report shows a closed account in 1999 and then nothing credit wise until april of last year . (10 yrs?) She was real nice and i tried to explain the situation but she wouldnt budge . That i had no bankruptcy and had gotten divorced and was just paying cash for everything. But being recently getting married , buying a house and a new car and such added a lot of inquiries . 6 yrs on the same job .

8 accounts opened in the past year .

Well i cant say i didnt try!

Re: To Rcon or not .. That is the question!

billsfan14 — Tue, 24 Mar 2009 15:15:22 GMT

That's unfortunate! Did you try the backdoor numbers?

It never hurts to try again, it's all about which CSR you talk to.

Re: To Rcon or not .. That is the question!

Woolfman — Tue, 24 Mar 2009 15:23:18 GMT

Yep i called the backdoor number . Maybe ill try again . She said she was sending another letter . Wonder if i call again if the next person will see i have already called?

Re: To Rcon or not .. That is the question!

billsfan14 — Tue, 24 Mar 2009 15:28:11 GMT

Not sure if they have that information or not, probably, but I doubt it matters too much.

This is from a website where people share approval status and such...

"Was denied, then recon twice, second time worked!!"

"Got the 30 day BS, called to recon right after. 2 baddies on EQ, 5 new accounts just hit the 6 month mark, no INQ. RECON these guys! Chase loves a Recon and its easy!"

"on recon,4th time was the charm, kept calling 800 number for recon"

I'd say give it another shot!

Re: To Rcon or not .. That is the question!

Red1Blue — Tue, 24 Mar 2009 15:32:24 GMT

I called chase when I got the same message. I did not have luck in getting them to approve new account for me. I have decided to wait next 6-12 months and then apply. Good Luck.

Re: To Rcon or not .. That is the question!

octavia — Tue, 24 Mar 2009 15:44:11 GMT

I was denied a chase platinum card back in sept.08 when i opened by checking/savings at chase bank.

I called the backdoor number for recon; the analyst asked why I filed BK13 I explained my reason for filing (i not only had 1 bk13 but had 2 showing on TU report; I only explained the one filed/discharged in 2004). She asked my job title, my income then put me on hold for a few minutes and came back appoved for $2,000 for the Chase Freedom card. My first prime bank/ rewards card since the bk13. I use it for my monthly bills and pif 2-3x a month.

I only had 1 inquiry (on all 3 CRs) for my mtg refi. (My broker assured me that only 1 inquiry would show on CR for mtg inq. as long as it's coded correctly. Somehow or another the different banks had access to the same report my broker had first accessed. So no separate inquiries were made.)

Having said that, I would recon if I were you.

Re: To Rcon or not .. That is the question!

Woolfman — Tue, 24 Mar 2009 20:38:24 GMT

well i will give it one more shot on the way home from work today . Now to try to remember who it was i spoke with so i dont talk to the same person