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Hi:
I recently was denied by Best Buy for a credit card where both my Wife and I would have been cosigners for a joint account. This really nonsense because one year prior they approved me by myself for $750, but I chose not use the card b/c they wouldn't approve me for the amount of the item that I wanted to purchase, a laptop, thus also qualifying me me for an 18 months same as cash promotion. We were hoping for $1,000 to buy new Verizon/Motorola/Google Android phones, but we were denied.
Frustrated, I went over to Sears and I applied for a card, by myself, again hoping for $1,000 and I was instantly approved for $7,000 through Citibank. As an aside, I checked the Wife's credit score/report and nothing weird is going on there, it's been the same average score since February 2009 at 675, no fraud, no monkey business.
I read something about writing a reconsideration letter and I decided to write one to Best Buy-HSBC Las Vegas, Nevada. They have received my reconsideration letter and are "reviewing it." I'll let everyone know the outcome.
Does anyone else have a a reconsideration letter story to share?
Haulingthescoreup:
Thanks for the tip on joint accounts. Who would ever know that joint accounts are a bad thing? It is hard to believe, but adding my Wife as an authorized user is easy enough. As an aside, since I'm not a regular in the forum, avoiding the abbreviations would make your wisdom easier to understand on an intuitive level; for example, what's Big D? Death, Debt, or Doughnuts?
Definitely a good idea to review the abbreviations list (in my sig line), cause most posts will have them.
Esu123 wrote:
Haulingthescoreup:
Thanks for the tip on joint accounts. Who would ever know that joint accounts are a bad thing? It is hard to believe, but adding my Wife as an authorized user is easy enough. As an aside, since I'm not a regular in the forum, avoiding the abbreviations would make your wisdom easier to understand on an intuitive level; for example, what's Big D? Death, Debt, or Doughnuts?