So last night, I pulled the trigger to apply for 3 new cards (I know it's too many). Two of them are instantly denied and Sallie Mae is pending. I am just curious if anyone of you have experience doing recon with BOA and Citi? What's the chance that I can get approved from them by calling them?
Here are some information about my credit profilos:
2 Credit cards - Capital One Quicksilver ($500) for 9 months and Discover It ($1500) for 6 months
4 Inquries on each credit report
TU - 712 (TU 08 FICO) EX- 721 (FICO from EX site) EQ- (don't know)
Well, I sort of screwed up by randomly applying for credit cards before the Discover card, given that I had no knowledge about hard pulls and all those factors that could affect my credit scores and all that. That's why I have 4 HP for each credit report. But yea, I don't know what happpend to me yesterday, the credit-itch got me and decided to apply these three cards. What do you think my chance of getting approved by recon?
______________________________________________________________________________________________________________________________________________
I called all three of them today, SM rejected me twice (yea, I did a second recon), BOA approved me with a $1000 limit (yay!) and Citi said they would call me back.
The reason Barclaycard rejected me is: short credit history (Thought they were friendly to people with short credit history)
The whole coversation of BOA only took 2 mins, it was a really nice lady and she just confirmed with me some of the information then I got approved!
Thanks,
