How to approach "RECON" for getting approvals and limit increases

[Anonymous]

Hi everyone, I'm brand new to this community and new to learning about credit cards at the level of so many of you. I've been reading posts about recon and it seems like I need to do this for applying for my next card(s) and raising existing limits. I found "backdoor" numbers, and need to prep to start having these conversations. I can answer questions as honestly and accurately as possible when asked by the rep, but is there more of a "pitch" and power phrases people are using to maneuver this conversation successfully for acceptance and another one for raising limits? Thanks everyone.

[jesseh]

Welcome to the forum, skiwasatch.

I don't know of any specific liens you should use, if you have read books on negotiating skills or job interviews it can be useful. Pitch why you are the perfect debtor. You just want to make sure that they understand you are a responsible card user, have a stable income.

[Creditaddict]

depending on the issuer it depends

but for the most part be direct and authoritive about your request and your answers.

let them stumble with the idea of your request for $40k more than you do!

[B335is]

It takes some getting used to. Some lenders are easier than others. Some don't reconsider at all. Know what's on your credit report, why you want what you're applying for and why you would be a good risk to the lender. I learned about it using google and reading numerous articles about it.

[Closingracer99]

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@B335is wrote:
It takes some getting used to. Some lenders are easier than others. Some don't reconsider at all. Know what's on your credit report, why you want what you're applying for and why you would be a good risk to the lender. I learned about it using google and reading numerous articles about it.

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When I reconed my Bank of America card I got rejected for to many new Accounts and to many inq's.  I told the person I simply wanted a Mastercard and liked what Bank of america offers. He asked me why am i carrying balances and explained the Discover it cards balance my report is showing is from June 2nd statement and that I now have $0 balance on that card. Also explained why I have a $894 balance posted on my chase card because of the 0% APR. After a few more questions got approved for $2,500

[B335is]

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@Closingracer99 wrote:

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@B335is wrote:
It takes some getting used to. Some lenders are easier than others. Some don't reconsider at all. Know what's on your credit report, why you want what you're applying for and why you would be a good risk to the lender. I learned about it using google and reading numerous articles about it.

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When I reconed my Bank of America card I got rejected for to many new Accounts and to many inq's.  I told the person I simply wanted a Mastercard and liked what Bank of america offers. He asked me why am i carrying balances and explained the Discover it cards balance my report is showing is from June 2nd statement and that I now have $0 balance on that card. Also explained why I have a $894 balance posted on my chase card because of the 0% APR. After a few more questions got approved for $2,500

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That's good info, BoA is pretty decent with reconsiderations.  When I got 7-10 day notice on my last app, I sat down and wrote a cheat cheet of any potential red flags I could think of (new accts primarily) and everything I liked about the card I was going for.  They didn't even ask me a single question and got it approved immediately.

To OP:  I've found if I'm alert and answer their questions truthfully and confidently, I get better results.  I didn't mean for my post to come across as "google it" but at one point I did come across a video of someone explaining it step by step and then doing it.  That seemed to calm my nerves a little bit.  Chase, BoA and Barclays are most likey to overturn a computer denial.  Amex, Cap1 and Citi are difficult.

[Closingracer99]

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@B335is wrote:

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@Closingracer99 wrote:

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@B335is wrote:
It takes some getting used to. Some lenders are easier than others. Some don't reconsider at all. Know what's on your credit report, why you want what you're applying for and why you would be a good risk to the lender. I learned about it usinggoogle and reading numerous articles about it.

---

When I reconed my Bank of America card I got rejected for to many new Accounts and to many inq's.  I told the person I simply wanted a Mastercard and liked what Bank of america offers. He asked me why am i carrying balances and explained the Discover it cards balance my report is showing is from June 2nd statement and that I now have $0 balance on that card. Also explained why I have a $894 balance posted on my chase card because of the 0% APR. After a few more questions got approved for $2,500

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That's good info, BoA is pretty decent with reconsiderations.  When I got 7-10 day notice on my last app, I sat down and wrote a cheat cheet of any potential red flags I could think of (new accts primarily) and everything I liked about the card I was going for.  They didn't even ask me a single question and got it approved immediately.

To OP:  I've found if I'm alert and answer their questions truthfully and confidently, I get better results.  I didn't mean for my post to come across as "google it" but at one point I did come across a video of someone explaining it step by step and then doing it.  That seemed to calm my nerves a little bit.  Chase, BoA and Barclays are most likey to overturn a computer denial.  Amex, Cap1 and Citi are difficult.

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While that is true with Amex, Cap 1 and Citi for the most part is impossible and Amex it basically means you did the app wrong. Never seen a successful "Recon" on Amex but maybe there has been?   Citi there has been stories of people contacting their EO and have had success doing it that way along with Cap one