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I am fresh out of BK7 and have applied for a few cards. After a few approvals I felt like I was back to a 747 fico. I was approved for Credit one with a limit of 800. (just before my BK was discharged) The day of my discharge I checked Cap 1 and had a pre-approval offer pulled the trigger and got the plat with a 300 CL. After some research here i tried to get the SCT to work and after extensive tries, discovered that the SCT is all but dead. But Wayfair did have a pre-approval, so I checked to see if I was pre approved and low and behold I was. A few days later I did apply for the wayfair card and... 750CL. At this point I am feeling great. So again after research and determining that wayfair and overstock cards I would actually use I did apply for the overstock card and got the 7-10 days message. Here comes the recon part... I called Cap 1 to try and recon my starting CL, basiclly was told they only go buy the computer and manual reviews are not done. So I am 0-1. Called Commenity and tried to recon the starting CL on wayfair, no manual review, but they did the computer request for me and got a 7-10 wait, so effectly I am 0-2. Also tried to recon the overstock to try and expedite an approval and was not able to get a manual review. So I am waiting the 7-10 days. I have always had lots of good luck in the past with recon. Seems like Cap 1 and commenity are not wanting to anymore.
Comenity isn't really known for reconsiderations OP. At best, some individuals could obtain a CLI to the inital SL, but that's more YEMV. As far as contacting them, that channel hasn't really had much success in years. System declined applications are typically not reconsidered.
As far as Capital One, once the EO channel was abused, it was pretty much left to some crumbs for specific credit-related issues, but not to overturn declined applications or SL changes or reconsiderations.
Since you mentioned you are fresh out of BK7, the only thing that is on your side is time so that you can rebuild your profile.
I agree, I will grow what I have just looking forward to getting back in with Lowes. I have a home I am fixing would love to take advantage of the financing offers they have. But in good time...
In general with most banks, recon is kind of dying off. Banks would rather have automated algorithims making decisions and pay fewer credit analysts.
But with Comenity and Capital One, recon has never really been much of an option. Years ago, Capital One's EO would manually review things, but that is long since a thing of the past. They are pretty much totally automated lenders. You just have to take what their computer gives you.
Sorry to tell you this but you are barking up the wrong tree without a bite. Capitol One has been computerized for years and only recently the Recon staff stopped doing manual overviews. Most likely because those that could were abused, retired, or just did not want to do it any more. Comenity is similar as they deal with the bottom of the barrel right before subprime. They have very little that they can adjust because then everyone and their uncle would be asking for things. Lastly you have a fresh BK on your file.
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--UB