How do I recon?

[JB2]

I got denied a discover card, I did their pre-qualification form before I applied and it said I was qualified.  I filled out the app and then it asked for more information.  Then they came back and said unfortunately they were unable to approve me.  I got my letter in the mail and they list inquiries as the reason.  I do have a lot of inquiries but I want this discover.  I want to recon but I have never done that before, what do I say how do I do this?  Also chase did the same thing.  I have banked with chase for more than 10 years so I thought I would have a chance there but still denied.

[Anonymous]

You just have to call and explain the inquiries, not sure how effective it is.

FYI, discover pre qual is useless. Put any info and you will have an offer listed.

[Anonymous]

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@JB2 wrote:

I got denied a discover card, I did their pre-qualification form before I applied and it said I was qualified.  I filled out the app and then it asked for more information.  Then they came back and said unfortunately they were unable to approve me.  I got my letter in the mail and they list inquiries as the reason.  I do have a lot of inquiries but I want this discover.  I want to recon but I have never done that before, what do I say how do I do this?  Also chase did the same thing.  I have banked with chase for more than 10 years so I thought I would have a chance there but still denied.

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Discover will pre-qualify anything.  Just come up with a name and any 9 digit number and you will get your answer.  Unfortunately, they are not very good at approving should you call.  But you can certainly try.

[Creditaddict]

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@JB2 wrote:

I got denied a discover card, I did their pre-qualification form before I applied and it said I was qualified.  I filled out the app and then it asked for more information.  Then they came back and said unfortunately they were unable to approve me.  I got my letter in the mail and they list inquiries as the reason.  I do have a lot of inquiries but I want this discover.  I want to recon but I have never done that before, what do I say how do I do this?  Also chase did the same thing.  I have banked with chase for more than 10 years so I thought I would have a chance there but still denied.

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chase you can recon, discover... no.

[Anonymous]

Thanks for the information. I'm not going to waste a third HP with Disc this year.

[Anonymous]

i tried a chase recon last night - i called, and a very pleasant young woman answered, took my info, then read me a list of 5 or so reasons I was declined (weird part was she said "or" in between each reason)

when she was done reading them she said i'd get a letter in the mail and wrapped up the call. never even really gave me a chance to talk. is that normal? do i have to just butt in and try to argue/give myself a chance to explain? did i call the wrong number? or was my credit so bad (675 or so, depending on what they pulled) that they weren't going to waste any time on me?