Because of this forum, I've been able to learn about discussions with underwriters. I've also acquired two cards from all that I've learned here; namely, I was approved for the Travelocity Amex w/ a $6.5k limit on recon, and then the Chase Freedom Visa Siggy on recon with a $5k limit. Believe it or not, these two cards attained on recon have improved my credit substantially, and my other lenders have taken notice and increased most of my limits competitively. :-)
I know!!!... and both of those are 0% for like the next year! haha. I love cheap credit!
discussions with underwriters= how to explain credit situation with ... like on a recon call.
I am about to recon a student card probably going to tell me I have too many inqs. I do however have one card that is being reported as 4% util out of a 750 credit limit that has been reported paid and in good standing I am apping for citi div select for students what do I say?
I checked my EXP and it is reporting a plus score of 726 with 3 inqs and 1 account in good standing and low debt ratio
I know without this forum I would have never thought I could get some nice prime cards. Nice limits congrats theres so much to learn on here, GL.
What are some tips on reconing I am trying to apply for CITI Div they are probably going to say too many inqs but my exp plus score is 726