topic Re: Recon a Recon in Credit Cards

Recon a Recon

Anonymous — Thu, 28 Apr 2011 12:49:55 GMT

Against my better judgment I app'd for a Chase Amazon card (I already have too many cards and opened too many within the past 2 months). I got a "no instant decision, we will notify you after review" response.

I went ahead and called the 1st backdoor number stickied at the top of the forum, and spoke to an account rep who did not sound like they wanted to be at work. I called and said I didn't receive an instant response, and wanted to see if there was any additional info. they were seeking...the lady responded "you do know it can take up to 30 days to receive a decision...don't you?!!?" <in a snide voice>

Anyway, I answered some questions about some current accounts...I have a couple of balances reporting (after consolidating from my wife's CCs), 2 of which are at about 90% util. However, overall I am only at about 23% util across all of my accounts, and my Chase Freedom has a $0 balance. Anyway, she denied the CC and pretty much hung up.

Think I should try reconing again? I hate to waste an inquiry. I probably should not have app'd for the card in the first place.

Re: Recon a Recon

tsquad131 — Thu, 28 Apr 2011 14:27:35 GMT

call back and get someone else wont hurt

Re: Recon a Recon

Anonymous — Thu, 28 Apr 2011 15:14:09 GMT

well.. keeep calling chase the backend numb er.. here is number i had sucess with..18882702127

Good Luck !

Re: Recon a Recon

Anonymous — Thu, 28 Apr 2011 15:26:11 GMT

Please let us know if this works for you. Thanks, Ray

Re: Recon a Recon

Anonymous — Thu, 28 Apr 2011 15:31:53 GMT

Thanks for the advice!! No luck though My 1st rejection in a LONG time...I need to stop app'ing. Yesterday, I tried the 888-270-2127 number and got denied, this morning, I tried the 888-245-0625 number and was also declined, although they did seem to try and work with me though.

Time to force myself into the garden.

thanks again.

Re: Recon a Recon

Anonymous — Thu, 28 Apr 2011 15:43:41 GMT

Well at least you tried right! I am with you in the garden for sure. I tried a recon with them yesterday and was declined too. Ray

Re: Recon a Recon

tntexans72 — Thu, 28 Apr 2011 16:16:02 GMT

I would call and hang up until I get a nice perky voice....like someone who wants to be there and already in a good mood.

Re: Recon a Recon

GreenThumb553 — Wed, 04 May 2011 04:23:35 GMT

Just so you guys know: I called Chase about a recon yesterday. I tried to call back today to talk to someone different, and this is what he said, "You just called in yesterday about reconsideration. Do you want me to repeat what you were already told?! If someone else told you no already, why would I tell you any different. I hope you know that we do make notes on the account!"

Re: Recon a Recon

smc733 — Wed, 04 May 2011 04:06:45 GMT

This is one of many accounts I've heard of Chase being rude to customers calling in...

Re: Recon a Recon

GreenThumb553 — Wed, 04 May 2011 04:08:27 GMT

Yep, I must say that he was ridiculously rude! HIs name is Josh, BTW. I know chances are slim of people getting THAT guy, but hopefully that jerk is reading these posts.

Re: Recon a Recon

Anonymous — Wed, 04 May 2011 14:02:33 GMT

I did a recon for the amazon visa last week and thought I'd share here. TU is 745 EQ is 715. I am 19 years old, have two other reporting tradelines, BoA visa with $2500 line, and Discover Open Road with $500 line. Both are my accounts, no AU. I went to buy an American Flag on Amazon after hearing the great news and saw the app for the amazon visa. Figuring all the money I spend on amazon, the 3x points would be great. Go ahead and apply and get the 30 day message. I called the recon number you posted, the 0625 one, and got a nasty rep who said she wouldnt open a recon for a 19 year old. I said thanks and hung up. Kept calling back until someone answered with a nice voice and hung up on the rest. I finally got a guy that seemed like he liked his job, spent 10 mins on the phone, and approved for $500. Wish I could've got more but I'm sure it will grow once they see the use.

Re: Recon a Recon

Anonymous — Wed, 04 May 2011 14:47:55 GMT

I'm just curious, when you ask for a recon through one of the backdoor numbers, is it another hard pull? I asked for a CLI from Chase in February, but was at 90% utilization on all 4 cards I own (BofA Visa, Credit One Visa, Household Bank MC, Chase Visa) I have a 5800 CL on the Chase card, and was given only a $200 increase. Now the card has zero balance (as do all others) so thought about calling in the backdoor number for more substantial CLI but have 5 hard pulls on my EXP report. Any advice?

PS: I haven't pulled my FICO's yet, as all my cards were just paid in full last week and want to ensure they are up to date. My CC statements have all updated as of today, but not sure if they've been reported to the Bureaus. Last week my EXP PLUS score was 716, which I know doesn't mean much as it's not a FICO. Critical that they update before any more pulls. Please help.

Re: Recon a Recon

slarano — Sat, 18 Jun 2011 22:15:16 GMT

Although interesting, I don't think I would ever try and recon a recon, simply because the account specialists you're speaking with should already have a record of your recent inquiries through their departments, including the reconsideration you already attempted.

Re: Recon a Recon

Anonymous — Sat, 18 Jun 2011 22:52:40 GMT

@simonlarano wrote:
Although interesting, I don't think I would ever try and recon a recon, simply because the account specialists you're speaking with should already have a record of your recent inquiries through their departments, including the reconsideration you already attempted.

I have a story to tell. In summary, YES, it does matter who you get, frankly. In my world, I have to get a young female.

I applied for the Chase card, they pulled Experian that has a ton of faulty tradelines, got denied. The guy I spoke to was nice enough but basically said there was nothing he can do. His supervisor was flat out rude and refused to work with me.

I mulled it over for about a week. Then confirmed that the other two bureaus were clean...and called recon again. This time, long story short, got a very sweet young gal, figure she was late 20's, who was more than willing to run Equifax at my request, which was of course crystal clean. Got asked a bunch of questions about inquiries, answered honestly. Thursday I just mailed back my proof of address, they should get it Monday or thereabouts. So we'll see. At least she was willing to consider the fact that the other bureau was spotless, validating what I was telling them that Experian was 100% faulty and always has been.

Re: Recon a Recon

slarano — Sat, 18 Jun 2011 23:56:22 GMT

Well, best of luck! I had a nice enough account specialist during my reconsideration, and he was straight up and up front in telling me what I had to do to get a different result next time, that I just need to lessen the amount of accounts I have open that carry a balance.

A handful of months doesn't hurt in my case. For example, in January I app'd but was denied for a Discover More. I waited 5 months before app'ing again with Discover, and this time around I was instantly approved for Discover More at $2500. At this point in my credit career, I'm using new cards for their balance transfer features, helping me to cut in on my revolving accounts, lowering overall debt without paying any interest. Doesn't hurt that I am getting Prime cards to do this all with.

Re: Recon a Recon

DI — Sun, 19 Jun 2011 00:02:09 GMT

@sarahscott1561 wrote:
Just so you guys know: I called Chase about a recon yesterday. I tried to call back today to talk to someone different, and this is what he said, "You just called in yesterday about reconsideration. Do you want me to repeat what you were already told?! If someone else told you no already, why would I tell you any different. I hope you know that we do make notes on the account!"

I worked in a high volume call center before. I had to tell someone that before when they called several times within one day. Some people do not know that a note is left on the account about what was said each time the person call.

Re: Recon a Recon

Anonymous — Sun, 19 Jun 2011 00:32:12 GMT

I agree with Di. A recon is one thing, but if you call more than once you risk being pegged as a pain in the rear. That's not company policy of course, it's human nature. I can see where repeated calls can deep six an application. If you're perceived as a hassle while still an applicant, why would they want an ongoing relationship with you as a client?

Re: Recon a Recon

DI — Sun, 19 Jun 2011 00:48:47 GMT

@Anonymous wrote:
I agree with Di. A recon is one thing, but if you call more than once you risk being pegged as a pain in the rear. That's not company policy of course, it's human nature. I can see where repeated calls can deep six an application. If you're perceived as a hassle while still an applicant, why would they want an ongoing relationship with you as a client?

This may be a bit off subject, but I'd like to say this. We had the same customers who called every month. The customers who always called are the one's who consistently pay late, have returned checks, try to get out of paying their bill and blamed the company for their high bill. We never heard from customers who paid their bills on time every month.

Re: Recon a Recon

Anonymous — Sun, 19 Jun 2011 01:40:16 GMT

That's true of life in general.

Re: Recon a Recon

n777ua — Sun, 19 Jun 2011 16:25:43 GMT

I wish the OP the best, saying that however...

In college I worked part time in a financial services call center. When someone would call in and they called over and over and over again, it was obvious they were a pain in the you know what. Almost instinctively, those folks probably wouldn't get the help or attention of other clients simply b/c we were telling them the same thing over and over again. Financial service companies are very strict, EVERY time you call in, its noted in your account. If a CSR sees call after call, they are probably more inclined not to help you.

Wish I had something better to tell you, and hope it all turns out well.