topic Re: Recon in Credit Cards

Recon

Maldanado — Thu, 01 Dec 2011 17:05:56 GMT

If you recon once and are denied, should you try again? Or is it over and done at that point on your app? I'm thinking about giving it a second shot with Barclays for the USairways card.

Re: Recon

Creditaddict — Thu, 01 Dec 2011 17:07:47 GMT

2 with Barclay I think is what you can get... unlike some banks, Barclay actually records down everytime you call and I have been told I see you talked to someone on this date at this time but I can look it over for you for a second recon.

Re: Recon

Maldanado — Thu, 01 Dec 2011 17:27:34 GMT

Thanks. I'll give it a shot.

Re: Recon

Strepthroat — Thu, 01 Dec 2011 20:43:42 GMT

Was the second time a charm?

Re: Recon

Uncle_Money — Thu, 01 Dec 2011 22:19:23 GMT

Mail letters rather than calling. I've been successful with this method and so have many others. You have nothing to lose.

Re: Recon

Anonymous — Thu, 01 Dec 2011 23:01:36 GMT

@Creditaddict wrote:
2 with Barclay I think is what you can get... unlike some banks, Barclay actually records down everytime you call and I have been told I see you talked to someone on this date at this time but I can look it over for you for a second recon.

I apped for the Apple and was instant approved, but was not happy with the CL, so I called once, nothing, twice, nothing, and the third call was the charm, the guy I spoke with was very nice and granted me a CLI.

This my be a YMMV type of thing.

You are correct, every time I called I was told "I see you spoke to (blank) on (blank) date and time" They note to your account every time you call.

Re: Recon

pizzadude — Thu, 01 Dec 2011 23:31:14 GMT

I don't see how it could hurt to attempt a second recon, I say go for it !

Re: Recon

Maldanado — Thu, 01 Dec 2011 23:59:24 GMT

Same outcome.....They want to see a longer credit history from me with the 2 cards I do have.

Re: Recon

Anonymous — Fri, 02 Dec 2011 00:36:09 GMT

@Maldanado wrote:
Same outcome.....They want to see a longer credit history from me with the 2 cards I do have.

Sorry to hear that

Use the cards, pay them on time, and try again in 6 months, but it will be a hard pull for a CLI request.

Best of Luck!

Re: Recon

pizzadude — Fri, 02 Dec 2011 04:03:12 GMT

Bummer, sorry to hear that you didn't get approved ~ but the good news is that there isn't any deragatory information holding you back such as late payments, etc..

I'm sure you will be approved after a few more months !

Re: Recon

Anonymous — Fri, 02 Dec 2011 04:24:22 GMT

@Maldanado wrote:
Same outcome.....They want to see a longer credit history from me with the 2 cards I do have.

how old are the 2 cards you have?

Re: Recon

Anonymous — Fri, 02 Dec 2011 05:36:29 GMT

I Tried JCPenny And Was Told All Decisions Are Finally, So My App Could Not Be Recon'd.. I Tried Target And Was Told They Could Not Manually Review My App If I Had Too Many Inquires...

I Read Success Stories, But I Have Never Had Any

Re: Recon

Maldanado — Sat, 03 Dec 2011 02:51:31 GMT

6 months and 4 months