I just Ritz app'd..

[Anonymous]

They pulled a 729 EX.  My file is clean as a whistle, 1% util with a limit of $15,000 on one of my Amex cards. I had hoped a decent reporting limit would give them confidence.  Income isn't a problem..

Oh well..

[Anonymous]

Definitely try reconning again. Make sure you're speaking with a JPM rep and not a Chase rep; I've seen more success with the former. Good luck!

[Anonymous]

I'm undecided as to whether or not I'll recon. After the rep told me my balances were to high (1% total utilization) I applied and was approved for the Barclays Arrival +. I'm waiting to see what effect that new account along with my new Amex SPG have on my scores before I'm comfortable adding another line.   How much time do I have after the denial letter to attempt a recon?

[CreditCuriosity]

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@Anonymous wrote:

I'm undecided as to whether or not I'll recon. After the rep told me my balances were to high (1% total utilization) I applied and was approved for the Barclays Arrival +. I'm waiting to see what effect that new account along with my new Amex SPG have on my scores before I'm comfortable adding another line.   How much time do I have after the denial letter to attempt a recon?

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30 days from date of denial or date of letter not when it was received

[Anonymous]

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@Anonymous wrote:

I'm undecided as to whether or not I'll recon. After the rep told me my balances were to high (1% total utilization) I applied and was approved for the Barclays Arrival +. I'm waiting to see what effect that new account along with my new Amex SPG have on my scores before I'm comfortable adding another line.   How much time do I have after the denial letter to attempt a recon?

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I think you are doing pretty good with that SPG & Arrival!

[Anonymous]

I'm undecided as to whether or not I'll recon. After the rep told me my balances were to high (1% total utilization)

Chase considers this high UTL  wow