After assisting my mom with this card and I my quest for more points, I applied for this card and received a pending message. I immediately checked the status site and it read that they were unable to approve me and a response would come in 7-10 days.
Generally, I don’t recon for myself (only advocate for family) but I wanted to make this pull count and reading about the Uber card reconsiderations gave me hope.
I called the recon line and they verified my identity and told me the system automatically declined me. I didn’t ask why (but I opened an Arrival + in July). They verbally confirmed income and put me on hold to look at my report.
After a minute or so he came back and asked why I opened four new cards recently and how much I spend monthly on cards. I told him something along the lines of getting all of my cards opened now so they age together and that this would be my last one for probably a year given the automatic denial.
He congratulated me on my good payment history, etc. and said they were able to reconsider approval for $5K.
I’ve failed at gardening and I’m probably broken 😔🤣 but I’m glad it was approved. Now, I’m really off to the garden and plan to actually commit in the garden thread.
Data points below: TransUnion Pull FICO 8 - 737 AAoA - 7yr1mo Utilization - 15% Last opened card - October 16 Inquiries - 7 (2 from August, 6 since May, 1 dropping off in Dec)
Beginning Journey April 2017 – FICO 8
Current Scores May 2018 – FICO 8
Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Re: Barclaycard Red Aviator - Approved After Recon
Wow. That's amazing! Congrats!
EQ 669, TU 679, EX 679. Navy Signature Go Rewards 15K, Navy Signature Cash Rewards 16K, Navy AX Rewards 14.4K, Navy CLOC 15K, Navy Mortgage 120K, Navy ATV Loan 14,990K, FLCU Auto 48.7K, FLCU Visa 7.5K, FLCU Visa 1K, AFCU 5K, AFCU Line of Credit 4K, John Deere 15K, Suncoast TB Rays Cash Rewards 6K, Cap1 QS 5K, USAA Rate Advantage 5K, USAA AX Card 9K, State Farm Rewards 2.5K, Paypal Credit 2.8K, Cabela's 2K, Chevron & Texaco Visa 6K, BMO Harris Bank 1.5K, BOA Bass Pro 1.5K, 5/3 Stand up to cancer 4.5K, 5/3 Truly Simple 4K, 5/3 Trio 4K, Amazon Store Card 5K, Lowes 17K, TBFCU 5K, BBT Spectrum 4.5K, BBT Bright 3.5K, BBT Bright 4.5K, Banco Do Brasil Americas 4.2K, Kays Jewerly 2K, AX Green Charge, AX Delta Gold 1K, Morgan Auto Group 1.6K, Kohls 700.