Help with my first recon?

[Anonymous]

Hi MBSS, Since your recon was successful I've moved this to Approvals-MarineVietVet, myFICO moderator.

I like to push my luck a bit and they would not stop with the prequalifying ad for BofA when I was logging in for my checking acct.   "15,000 bonus points when you apply for the B of A travel blah blah card.  You're prequalified!"  So I pulled the trigger and got the 30 day message.  So they're going to see a bunch of recent inquries and new credit lines.  What do I say to recon to get approved?  Do I mention I'd be willing to take 500 from my BofA Cash card and move it to the Travel card?  I have banked with them for 20 years, that should be worth something.  Do you still get the bonus if you get the card haggling with recon?  I don't intend to waste a hard pull.

Bonus story*  Hanging out with my friend today and she mentions her credit is in the 800's after having me explain to her why I keep looking at this website.  She's been using the same Citi card since college for over a decade and she gets her points and is happy enough with that.  She's owned a home and paid off a car or two so she built her credit that way.  I tell her she might as well score some bonus points and take a short term ding to get a card or two since she's not planning to buy a home for another year or so.  She's like "Sure, whatever.  You can apply for me."  So I go to Chase and apply for the Freedom and she gets $18,000 at 13.99%  lol.  That was entertaining for me.  

[Anonymous]

Hey dude. What you can say is to just ask them if you can verify any information on your application. That's always a good start and actually worked for me when I reconned my Citi Double Cash. Other than that, I'm pretty sure everyone else is going to say be completely honest about your situation and I wouldn't an exception. I wouldn't say that I'm willing to move limits off the bat, but if they don't budge, I would definitely bring up the willingness to move things around. Best of luck and congrats to your friend. Wish my Freedom card had that limit. 

[Anonymous]

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@Anonymous wrote:

I like to push my luck a bit and they would not stop with the prequalifying ad for BofA when I was logging in for my checking acct.   "15,000 bonus points when you apply for the B of A travel blah blah card.  You're prequalified!"  So I pulled the trigger and got the 30 day message.  So they're going to see a bunch of recent inquries and new credit lines.  What do I say to recon to get approved?  Do I mention I'd be willing to take 500 from my BofA Cash card and move it to the Travel card?  I have banked with them for 20 years, that should be worth something.  Do you still get the bonus if you get the card haggling with recon?  I don't intend to waste a hard pull.

Bonus story*  Hanging out with my friend today and she mentions her credit is in the 800's after having me explain to her why I keep looking at this website.  She's been using the same Citi card since college for over a decade and she gets her points and is happy enough with that.  She's owned a home and paid off a car or two so she built her credit that way.  I tell her she might as well score some bonus points and take a short term ding to get a card or two since she's not planning to buy a home for another year or so.  She's like "Sure, whatever.  You can apply for me."  So I go to Chase and apply for the Freedom and she gets $18,000 at 13.99%  lol.  That was entertaining for me.  

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Nice.

[Anonymous]

When you call make sure you mention acouple of times, at least, that you've banked with them for 20 years. It couldn't hurt, surely.

[Anonymous]

Thank you everyone on this site for great assistance and to the guys that replied to me and to ~corymcdd88 for the Sr. Analyst phone number.

Spoke to Diane and told her where I work (Insurance) and that I got the Cash card and I really want the Travel card.

That was all it took.  She said "Ok, well you have a $1,500 line for the other card so let's give you $2,000 for the Travel card."

I said "Thank you for your good service and have a merry x-mas."

Stoked.  I would have hated to waste a hard pull.

[Anonymous]

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@Anonymous wrote:

Thank you everyone on this site for great assistance and to the guys that replied to me and to ~corymcdd88 for the Sr. Analyst phone number.

Spoke to Diane and told her where I work (Insurance) and that I got the Cash card and I really want the Travel card.

That was all it took.  She said "Ok, well you have a $1,500 line for the other card so let's give you $2,000 for the Travel card."

I said "Thank you for your good service and have a merry x-mas."

Stoked.  I would have hated to waste a hard pull.

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Congrats..

[Anonymous]

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@Anonymous wrote:

Thank you everyone on this site for great assistance and to the guys that replied to me and to ~corymcdd88 for the Sr. Analyst phone number.

Spoke to Diane and told her where I work (Insurance) and that I got the Cash card and I really want the Travel card.

That was all it took.  She said "Ok, well you have a $1,500 line for the other card so let's give you $2,000 for the Travel card."

I said "Thank you for your good service and have a merry x-mas."

Stoked.  I would have hated to waste a hard pull.

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That's prime dude. Congrats and enjoy.

[FlawlessShineAutoSpa]

Congratulations for your recon success! Continue Success in The World of Credit Cards!

[uswala]

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@Anonymous wrote:

Thank you everyone on this site for great assistance and to the guys that replied to me and to ~corymcdd88 for the Sr. Analyst phone number.

Spoke to Diane and told her where I work (Insurance) and that I got the Cash card and I really want the Travel card.

That was all it took.  She said "Ok, well you have a $1,500 line for the other card so let's give you $2,000 for the Travel card."

I said "Thank you for your good service and have a merry x-mas."

Stoked.  I would have hated to waste a hard pull.

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Congrats!

[Anonymous]

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@Anonymous wrote:

Thank you everyone on this site for great assistance and to the guys that replied to me and to ~corymcdd88 for the Sr. Analyst phone number.

Spoke to Diane and told her where I work (Insurance) and that I got the Cash card and I really want the Travel card.

That was all it took.  She said "Ok, well you have a $1,500 line for the other card so let's give you $2,000 for the Travel card."

I said "Thank you for your good service and have a merry x-mas."

Stoked.  I would have hated to waste a hard pull.

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Nice job, congrats