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Should I try the recon line (again)?

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Should I try the recon line (again)?

Tonight I applied for the Choice Privileges Barclay card - got the needs further review message, so I called the recon line. Spoke with a lady that asked a few questions about my employment and salary, then looked up my credit report and came back. She said she did notice that I have a few new credit lines in good standing and have worked to rebuild, but that they were concerned about a few too recent baddies (within the last two years) and the number of recent inquires, which was probably their main concern. She asked what was the reason for the inquiries, and I told her I was in the process of rebuilding my credit ever since October of last year - and how I've raised my credit score approx 100 points since then with good standing credit lines. I told her that my fiance and I were both working on building out credit - she is building, and I am repairing - and that Barclays would be an asset to expand my credit portfolio. She thanked me for my explanation, but then said that due to too many recent inquiries they still couldn't approve me. I was kinda disappointed, obviously. 

 

Do you think I should try again and talk to a different rep? If so, should I say something different? Would they know I already called the recon line the first time?

Total Credit: $29,650

AMEX Delta Skymiles: $6,000 | Discover IT Secured: $500 | Capital One QuickSilver: $2,600 | eBay Mastercard: $500 | Bank of America Cash Rewards: $500 | Minor Credit Cards: $19,550
Message 1 of 4
3 REPLIES 3
Senior Contributor

Re: Should I try the recon line (again)?

I would try again and don't use the word "rebuilding".

Tell them your building a strong file and Barclays is gonna be your everyday card.
Message 2 of 4
Valued Contributor

Re: Should I try the recon line (again)?

Trying again probably will not hurt, but you'll want to be prepared to give the answers that would sound good to them, for questions they may have on possibly anything negative or recent on your reports.
                               

Total Credit: $240,100Credit Utilization: 1%AAoA: 5 years, 7 monthsInstallments: Car Lease, Marcus LoanNegatives: 0

LOWES-35k | BOA-32.5k | AMEX-30k | DISC-27.1k | ALLIANT-25k | NFCU-25k | BARC-15k | BBUY-12k | CHASE-10k | WAL-10k | CITI-9.7k | PENFED-9.7k


Message 3 of 4
Valued Contributor

Re: Should I try the recon line (again)?

I recon 5 x with Barclay last year before finally getting approved for the Arr + WMC! Persistence pays with them and unlike BofA they don't seem to care how many times u try.

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX Bonvoy Business 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Hilton Honors Business 10k (AU), AX Delta Air Platinum 15k, (AU) AX Platinum Amerprise charge card (AU), AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , Discover (2) 16k, Kohls-4k, VS Comenity $2k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $8k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Go Rewards 35.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target 2k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 740,TU 748,Chapt 7 BK D/C 11-2012. Starting scores 520-550
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