topic Re: Too Late To Recon? in Credit Cards

Too Late To Recon?

Anonymous — Mon, 23 Dec 2013 14:19:28 GMT

I apped for the Sallie Mae World MC about 2 weeks ago and was denied. Reason was debt to income ratio. My debt load is 0 except for student loans and whatever balances I had reporting at the time (less than 1% UTL).

I didn't even consider calling to recon until now... but is it too late to recon?

Re: Too Late To Recon?

coldnmn — Mon, 23 Dec 2013 14:24:48 GMT

Always reconsider you already took the hit for the inquiry! Good Luck!

Re: Too Late To Recon?

lg8302ch — Mon, 23 Dec 2013 14:28:01 GMT

@coldnmn wrote:
Always reconsider you already took the hit for the inquiry! Good Luck!

+1 ..but make sure it is not a 2nd pull at recon ..good luck

Re: Too Late To Recon?

Anonymous — Mon, 23 Dec 2013 14:36:51 GMT

Eh, no dice. It wasn't another HP, but since I don't have taxable income (student currently) they won't give me the card.

Re: Too Late To Recon?

coldnmn — Mon, 23 Dec 2013 14:42:16 GMT

@Anonymous wrote:
Eh, no dice. It wasn't another HP, but since I don't have taxable income (student currently) they won't give me the card.

Sorry to hear. At least you tried.

Re: Too Late To Recon?

lg8302ch — Mon, 23 Dec 2013 14:48:24 GMT

@Anonymous wrote:
Eh, no dice. It wasn't another HP, but since I don't have taxable income (student currently) they won't give me the card.

Sorry to hear....this is another example how strange lender decisions can be....look at your Discover card 4,5K and Barclays declines??.....

Re: Too Late To Recon?

Anonymous — Mon, 23 Dec 2013 14:55:31 GMT

@lg8302ch wrote:
@Anonymous wrote:
Eh, no dice. It wasn't another HP, but since I don't have taxable income (student currently) they won't give me the card.
Sorry to hear....this is another example how strange lender decisions can be....look at your Discover card 4,5K and Barclays declines??.....

Yeah, I was really looking forward to the Sallie Mae card too since I don't go over $250 in gas and rarely go over $250 in groceries per month. I have BCE though, so I'm really only missing out on 2%/3% respectively... which I think comes out to $12.50 per month assuming I hit the $250 mark each month (which I don't).

Re: Too Late To Recon?

FinStar — Mon, 23 Dec 2013 17:13:33 GMT

Barclays can be quirky depending on the circumstances. You can always reapply in 6-12 months if conditions change and if you're still interested in the Sallie Mae CC.