I have been really good with recon calls.
This is how the conversation should go:
"Hello, my name is x, how are you doing? I have a pretty good credit score and I had applied for ___ credit card offered by your bank and I landed on the decision pending page.
{If you have any relationship with the particular bank, just mention that here. }
{If you got a targeted offer in the email, mention that here and say some rewards that you get from the card. }
Will you be able to take a second look into my application and reconsider the application if I give you my SSN."
They will put you on hold and come back either with verification questions and approval or questions and approval/denial in hand.
If they ask you about inq/new accounts, just say - I am really not looking for so much of credit but Im interested in the rewards that come with the card (if it gives rewards, i dont know what to say here if its the low apr card) and you can see that my utilization is also very low and the rewards look really attractive.
This is not the way to do the call:
"Hi my name is X, can you check for a credit card application that I did, if I can give you my SSN." They will say, give the SSN and then right away go on hold. Dont let them take off from you to keep you on hold without explaining the full thing initially.
Be nice and explain everything first and then give your SSN.
I have had very good luck with this strategy.
I love how everyone has their own little twist on it. Very interesting and useful info.
Barclay reconned twice, didn't work for me, yet lol. They simply say we need to see at least one year of credit history and stand on that point. How many times can you recon? After you've gone through all of their credit analysts? 