topic Re: Time to Recon? in Credit Cards

Time to Recon?

sdoonan — Sat, 31 Dec 2011 02:12:28 GMT

Hi all,

I'm looking to have someone recon my application for the Chase Freedom. I'm debating whether to take care of it before I leave for London on the 3rd, or wait until I come back on the 24th. How long do CCC's usually allow for application reconsiderations?

Re: Time to Recon?

Uncle_Money — Sat, 31 Dec 2011 03:59:02 GMT

Usually 30 days. I would do it before leaving; whether mailing a letter or calling them.

Re: Time to Recon?

sdoonan — Sat, 31 Dec 2011 04:04:00 GMT

Sounds good. Looks like I'm mailing a letter before I go, then.

EDIT: If I were to use a number for a reference to my application, should I use the last 4 of my SSN?

Re: Time to Recon?

Uncle_Money — Sat, 31 Dec 2011 04:04:00 GMT

That is your best bet.

Good luck and let us know how it goes!

Re: Time to Recon?

sdoonan — Sat, 31 Dec 2011 04:12:19 GMT

UM,

I recognize I edited my post after you posted. One more questions for you:

I don't have an application number to reference. How should I reference my particular application?

Re: Time to Recon?

Anonymous — Sat, 31 Dec 2011 04:18:05 GMT

hmm. ur social? why not just call. i say give it 7-10 days then call.

Re: Time to Recon?

sdoonan — Sat, 31 Dec 2011 04:23:24 GMT

@Anonymous wrote:
hmm. ur social? why not just call. i say give it 7-10 days then call.

Unfortunately, I don't believe I come from a good position to recon over the phone; the CSR I spoke with to find out my reason was pretty clear that the denial reason was a problem. With a letter, I feel I can give myself a better position, since I'm a better writer than a speaker.

Re: Time to Recon?

Uncle_Money — Sat, 31 Dec 2011 04:24:10 GMT

A reference # is always best but Chase should be able to access it by your social security number. Be sure to also include your full name and contact information.

Personally, I mail recon letters. I do this because I've had more success as opposed to calling. It takes more time and patience to do it this way but if you draft up the right letter and it reaches the right person, you'll have a great chance of success.

Re: Time to Recon?

nuggets321 — Sat, 31 Dec 2011 18:50:54 GMT

+ 1

Re: Time to Recon?

the_jan_b — Sat, 31 Dec 2011 19:01:23 GMT

sdoonan wrote:

Unfortunately, I don't believe I come from a good position to recon over the phone; the CSR I spoke with to find out my reason was pretty clear that the denial reason was a problem. With a letter, I feel I can give myself a better position, since I'm a better writer than a speaker.

Same way with me...I don't talk much, but when I want to get my point across...watch out!

Re: Time to Recon?

sdoonan — Tue, 03 Jan 2012 13:58:35 GMT

@Uncle_Money wrote:
That is your best bet.

Good luck and let us know how it goes!

UM

It's not gonna happen. That AMEX Platinum that I was just added to shows 100% utilization. There's no way they'll approve me now.