I applied for the Barclays Wyndham Rewards Visa card was denied instantly. I called the recon line at 1-866-408-4064 after the denial. The rep did not even try to reconsider; he simply stated that the accound was denied because of my student loan obligations. Currently my student loans are in deferrment, my Transunion score is 734, I have 9% utilization, and no negatives. This guy would not hear anything that I had to say and just stated that they will send a letter.
With my never giving up attitude, I called again today. This time a lady answer the line and stated, "I see that your application was denied; would you like me to review and reconsider the application to see if we can turn it into an approval?" She reviewed it, asked a couple of questions about income, and came back and stated that my application was approved with a credit line of $2500!
I wanted to share this story because it is important to NEVER give up! I think sometimes it just depends on the person on the other end and your persistence with getting the application approved. The first rep didn't attempt to reconsider my app, while the second rep objective was try to get me approved.
So I started on a little app spree and that has turned into a big spree: Wyndham Rewards $2,500, Citi Simplicity $6,700, BOA Travel Rewards $6000, CLI Citi AA Advantage $6,000, CLI Citi Diamond $6,000, and Chase Hyatt (currently in reconsideration, waiting on Equafax to remove a fraud alert off of my credit report).
