I was doing some amazon shopping and saw the $70 gift card again. It’s been two weeks since an app, and my future Christmas shopping came to the back of my mind. I read a few articles about the 5/24 rule not really applying to the amazon card when finally I decided I might as well; I don’t plan on applying for anything big for at least 2 years regardless.
Boom: instant deny.
I went on Experian and sure enough there’s the Chase inquiry; I decided then I might as well recon it.
Called the number an hour after the app, guy confirmed my app and asked if there were any changes, said an account was not on there yet. Asked specific income questions like what employer, where’s it split, etc. Put on hold for 5 min. Picks up again, asks why I have 5 inquiries in last 6 months, explained how cap 1 denied and how I’m building credit for the long term, always pay in pull, etc etc.
Put on hold for another 5 min. Starts saying generic things about having reviewed app making me think it’s denied when boom, accepted. Starting Line is $1000 which is a terrific start since it’ll be a once every other week or so card.
Experian stayed at 738, will check it again tomorrow to see if it changed.
First recon to work for me and first card from chase (I’m eyeing the CSP in 3 years) so I’m super happy.
Back to the garden for good this time!
College Junior Starting Score: 724 Current Score: 744 Goal Score: 775
8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810 Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Congrats on the new card, time for Prime day! Nice recon as well..
@ 4theLoveofPoints - I've had a few of those, usually what I do when I get someone on the phone that feels like they aren't going to assist me in the best way, I make an excuse and hang up, give it a few minutes and then call back. Just the initial few words (tone, how they speak), will tell you if someone's willing to work with you or not.