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I'm curious how others here view this. If you apply for credit card and get 5-7 day message. When you call the underwriters/backdoor number to discuss your application, do yall consider this a recon? I think that the term "recon" is only applicable if you were denied. What are yall's opinions on this?
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The 5-7 day message means the automatic system isn't able to approve you and your app is being sent to a manual review. I think there may be some advantage to calling in as you did so if any questions come up you can answer them at first manual review. It saves a denial and recon.
I'd agree with the above that it's a manual review. If you call a credit underwriter to see the status, it's just that. After you get to the approved/denied part is when you hit recon status. If you are approved and like your limit, no reason to inquire with them anymore.
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