Sorry to read of your denial. I'm curious of what she meant by credit references? I noticed you mentioned 0% utilization in the OP. Are you allowing any usage to post to your CRs? It won't hurt to show that you are using the cards you have now. That might help with future approvals. I know many here fixate on allowing one card to post. It may boost scores a hair, though I doubt it does any good when human eyes look over the reports.
Good luck with your future endeavours.
Good luck with your future endeavours.
If it was me I would be calling recon again. Different reps are more helpful than others. Explain why you want/need the card and remember to be nice etc... I would also suggest at least 1% utilization to show on your reports. It has worked the best for me with getting approvals and I have a lot more inq than you. You have to remember that a denial over inquiries usually means there is something else wrong with your profile (in their eyes) and they just throw it in as an excuse. You used the HP already so you might as well get some mileage out of it 
@mattmyFIC0 wrote:If it was me I would be calling recon again. Different reps are more helpful than others. Explain why you want/need the card and remember to be nice etc... I would also suggest at least 1% utilization to show on your reports. It has worked the best for me with getting approvals and I have a lot more inq than you. You have to remember that a denial over inquiries usually means there is something else wrong with your profile (in their eyes) and they just throw it in as an excuse. You used the HP already so you might as well get some mileage out of it
I agree. If you call tell them how much you want to have a relationship with them. Best of luck to you!
@mattmyFIC0 wrote:If it was me I would be calling recon again. Different reps are more helpful than others. Explain why you want/need the card and remember to be nice etc... I would also suggest at least 1% utilization to show on your reports. It has worked the best for me with getting approvals and I have a lot more inq than you. You have to remember that a denial over inquiries usually means there is something else wrong with your profile (in their eyes) and they just throw it in as an excuse. You used the HP already so you might as well get some mileage out of it
BoA does keep notes from prior recon calls, just fyi. It's definitely worth a second recon if you'd like to try, but do keep that in mind. They will know you had called to recon previously.
OP, you've been doing really well overall it seems, so be proud of that success as well!
@Anonymous wrote:
@mattmyFIC0 wrote:If it was me I would be calling recon again. Different reps are more helpful than others. Explain why you want/need the card and remember to be nice etc... I would also suggest at least 1% utilization to show on your reports. It has worked the best for me with getting approvals and I have a lot more inq than you. You have to remember that a denial over inquiries usually means there is something else wrong with your profile (in their eyes) and they just throw it in as an excuse. You used the HP already so you might as well get some mileage out of it
BoA does keep notes from prior recon calls, just fyi. It's worth a second recon if you'd like to try, but do keep that in mind. They will know you had called to recon previously.
haha I hear ya! This kind of stuff used to make me nervous. What will they say/think/do and really it just doesn't matter. Some reps are nicer and will actually spend some time with you and try to work something out and others just read from a script. Since I've dealt with Chase business lending department a few times these types of calls just don't bug me anymore lol