topic Re: Recon Advice in Credit Cards

Recon Advice

SpecFile — Wed, 03 Apr 2013 22:01:16 GMT

I want more for my HP!! Has anyone ever called to recon a 2nd time and been approved?

Re: Recon Advice

Anonymous — Wed, 03 Apr 2013 22:36:58 GMT

There's been cases where people called over 9x and eventually got approved. It's always worth a try if you think you are somewhat close to getting a borderline approval

Re: Recon Advice

SpecFile — Wed, 03 Apr 2013 22:39:09 GMT

How many times can I call without getting another HP?

Re: Recon Advice

Anonymous — Wed, 03 Apr 2013 22:47:32 GMT

It really varies more on who you are talking to rather than number of times you call. You can always try to negotiate and ask them not to do a HP, but sometimes when you are too far off from what they would even consider borderline approval, they will need to do a HP to see any changes (such as new balances posting that lowers ur util) and them re-evaluate like a brand new app. So there's no guarantee you will get approved with a new HP

Re: Recon Advice

09Lexie — Wed, 03 Apr 2013 22:51:08 GMT

It depends....which lender?

Re: Recon Advice

armbenderc — Wed, 03 Apr 2013 22:51:33 GMT

@SpecFile wrote:
I want more for my HP!! Has anyone ever called to recon a 2nd time and been approved?

Yes, I did with chase freedom

Was denied, I call for recon and got it for 2k.

When the card arrived, I call to recon limit upon activation, i got 3.7k.

Just got auto CLI it's at 4.2k now.

Re: Recon Advice

SpecFile — Wed, 03 Apr 2013 23:05:38 GMT

@09Lexie wrote:
It depends....which lender?

Barclays.

Re: Recon Advice

Anonymous — Wed, 03 Apr 2013 23:06:44 GMT

I heard Barclays is the easiest to recon with, so keep calling. Best of luck!

Re: Recon Advice

09Lexie — Wed, 03 Apr 2013 23:07:02 GMT

I would call. What were their reasons?

Re: Recon Advice

SpecFile — Wed, 03 Apr 2013 23:41:19 GMT

4 yr. old BK which was 3 yrs. old last year when they approved me for my Rewards card. Go figure!

Re: Recon Advice

09Lexie — Wed, 03 Apr 2013 23:42:55 GMT

Recon, maybe another analyst will see things differently.

Re: Recon Advice

SpecFile — Thu, 04 Apr 2013 00:27:21 GMT

Will try again tomorrow!! Thanks for the advice.

Re: Recon Advice

09Lexie — Thu, 04 Apr 2013 00:28:57 GMT

Good luck! Remember, own the narrative. You will be fine!

Re: Recon Advice

SpecFile — Thu, 04 Apr 2013 00:29:52 GMT

Got it!

Re: Recon Advice

CreditStudent1981 — Thu, 04 Apr 2013 02:08:02 GMT

@09Lexie wrote:
Good luck! Remember, own the narrative. You will be fine!

Best advice ever above!

Analysts from the backdoor can work miracles, but knowing your credit report and backing up why you deserve the recon is a strong indicator that you will be a responsible borrower.