Hi! As I stated earlier on a post I had applied for a credit card with my bank, Regions. I just received the letter today, they must be really slow bc the letter is dated 07/02/2012 and I think I applied on 06/22/12 or 06/25/12 LOL..ANYWHO.. a few questions..
Do I write the recon letter to the address on the letter? There is no tn# it says Consumer Loan Dept. blah blah blah..They pulled TU, which for the few cards I've just gotten pulled recently..The denial reasons were:
Insufficient time since most recent acct established, to many credit checks (or recent applications) insufficient lenght of revolving credit history..AGAIN arent these all the same basic reason...
I had applied for a few cards recently which I'm sure dropped my AAOA, which led to recent credit checks and my newest accounts (2 Chase cards and another card within the past 4-5 weeks) I actually applied for this one first but not sure why it took so long, etc..I have a CU checking/savings but I do like Regions and want to keep my checking there if I can get a credit card, otherwise I'll stay with my other bank as I have a CU card there..
input???? 
They pretty much are the same reasons in your case (or in mine) from a rebuilding perspective, but they're all individually legitimate reasons for a denial and usually since they're required to provide 3-4 (not sure on exact number legally) it all gets a little fungable anyway. It's better than the old school "You suck, go away!" that people used to get at least.
The only real way to approach it is to explain why you have so many new tradelines / inquiries / whatever. The CLI's on WWFNB, easy enough to plead ignorance on that one, and card upgrades (financial decision or rewards or whatever) is a semi-legit reason too. If you approached your credit building or financial requirements with a plan instead of "oooh shiny!" then lay it out for them. If you do fall into the category of easily distractable by brightly colored pieces of plastic, well... come up with some better rationale before talking to them. 
Also, and this is possibly more important to add than just the explanation of past behavior alone, explain to them why *their* product that you're applying for is desirous, and how it fits in with what you're trying to do.
End of the day, denials aren't the end of the world anyway and there's no shame associated with it; simply learn from them and move on with life. Worst case you know a little more on how lenders view you as an individual, and as such even denials aren't a straight negative.
Edit: when asking for any sort of reconsideration, you don't have any control over whether or not another inquiry will be required, though you can request their not doing it if that's the case but I sort of don't understand that: if you want the tradeline, you want the tradeline, spend the inquiry. Regardless, when waking a tiger, use a long stick.
