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Time to Recon?

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sdoonan
Contributor
‎12-30-2011 06:12 PM
‎12-30-2011 06:12 PM

Time to Recon?

Hi all,

 

I'm looking to have someone recon my application for the Chase Freedom. I'm debating whether to take care of it before I leave for London on the 3rd, or wait until I come back on the 24th. How long do CCC's usually allow for application reconsiderations?



Cards: CitiForward for Students (2K, opened 8/2009), Discover it (2K, opened 7/2010), AMEX BCE (1k, opened 12/2010), Capital One Quicksilver (4.5k, opened 11/2011), Chase Freedom (1.5k, opened 8/2014)

AMEX Platinum (NPSL, AC arrangement, added 12/2011), Citi AAdvantage AMEX (9k, AU, backdated to 9/2008)

Scores: TU 667, EQ 651

In the Garden since 8/8.
Message 1 of 11
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Uncle_Money
Established Contributor
‎12-30-2011 07:59 PM
‎12-30-2011 07:59 PM

Re: Time to Recon?

Usually 30 days. I would do it before leaving; whether mailing a letter or calling them.

 

UM

Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500

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sdoonan
Contributor
‎12-30-2011 08:01 PM
‎12-30-2011 08:01 PM

Re: Time to Recon?

Sounds good. Looks like I'm mailing a letter before I go, then.

 

EDIT: If I were to use a number for a reference to my application, should I use the last 4 of my SSN?



Cards: CitiForward for Students (2K, opened 8/2009), Discover it (2K, opened 7/2010), AMEX BCE (1k, opened 12/2010), Capital One Quicksilver (4.5k, opened 11/2011), Chase Freedom (1.5k, opened 8/2014)

AMEX Platinum (NPSL, AC arrangement, added 12/2011), Citi AAdvantage AMEX (9k, AU, backdated to 9/2008)

Scores: TU 667, EQ 651

In the Garden since 8/8.
Message 3 of 11
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Uncle_Money
Established Contributor
‎12-30-2011 08:04 PM
‎12-30-2011 08:04 PM

Re: Time to Recon?

That is your best bet.

 

Good luck and let us know how it goes!

 

UM

Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500

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sdoonan
Contributor
‎12-30-2011 08:12 PM
‎12-30-2011 08:12 PM

Re: Time to Recon?

UM,

 

I recognize I edited my post after you posted. One more questions for you:

 

I don't have an application number to reference. How should I reference my particular application?



Cards: CitiForward for Students (2K, opened 8/2009), Discover it (2K, opened 7/2010), AMEX BCE (1k, opened 12/2010), Capital One Quicksilver (4.5k, opened 11/2011), Chase Freedom (1.5k, opened 8/2014)

AMEX Platinum (NPSL, AC arrangement, added 12/2011), Citi AAdvantage AMEX (9k, AU, backdated to 9/2008)

Scores: TU 667, EQ 651

In the Garden since 8/8.
Message 5 of 11
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Juan123
Established Contributor
‎12-30-2011 08:18 PM
‎12-30-2011 08:18 PM

Re: Time to Recon?

hmm. ur social? why not just call. i say give it 7-10 days then call.

Starting Score: 575 (As Of Early 2011)
Current Score: TU: 767 EQ: 732 EX; 742 (As Of Feb 2012)
Goal Score: 750

Take the FICO Fitness Challenge

Long way to go ^_^
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sdoonan
Contributor
‎12-30-2011 08:23 PM
‎12-30-2011 08:23 PM

Re: Time to Recon?

@Juan123 wrote:

hmm. ur social? why not just call. i say give it 7-10 days then call.

Unfortunately, I don't believe I come from a good position to recon over the phone; the CSR I spoke with to find out my reason was pretty clear that the denial reason was a problem. With a letter, I feel I can give myself a better position, since I'm a better writer than a speaker.



Cards: CitiForward for Students (2K, opened 8/2009), Discover it (2K, opened 7/2010), AMEX BCE (1k, opened 12/2010), Capital One Quicksilver (4.5k, opened 11/2011), Chase Freedom (1.5k, opened 8/2014)

AMEX Platinum (NPSL, AC arrangement, added 12/2011), Citi AAdvantage AMEX (9k, AU, backdated to 9/2008)

Scores: TU 667, EQ 651

In the Garden since 8/8.
Message 7 of 11
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Uncle_Money
Established Contributor
‎12-30-2011 08:24 PM
‎12-30-2011 08:24 PM

Re: Time to Recon?

A reference # is always best but Chase should be able to access it by your social security number. Be sure to also include your full name and contact information.

 

Personally, I mail recon letters. I do this because I've had more success as opposed to calling. It takes more time and patience to do it this way but if you draft up the right letter and it reaches the right person, you'll have a great chance of success.

 

UM

Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500

Message 8 of 11
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nuggets321
Frequent Contributor
‎12-31-2011 10:50 AM
‎12-31-2011 10:50 AM

Re: Time to Recon?

  +  1

 

TU-721 (MortgagePull) EQ- 697(MortgagePull ) EXP 693(MortgagePull) FWEB 24,2015
My Wallet : Dicover More 35,500 CL -Amex Zync NPSL -WellsFargoRewards4800 - -CapOne 3000CL -GEMBWalMart 5000CL - Zales 4000CL-Kays 2900--Macys 5000CL /SSFCU 5000CL / CitiBank Diamond Pref 15000CL - CHASE Freedom 13500CL -Lowes 10,000 CL - BBuyStoreCard 10,000CL Sears Store Card (Citi) 3000 - Firestone CFNB 1400 Toyota Financial $35,000 Auto -2200DiscountTire(GECRB) Citi TY Preferred 8100CL - Chase Slate$4000-BofA15000-ToyotaRewardsVisa$10,700 -BofA$8500 AMEX BCE 9,500
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the_jan_b
Established Contributor
‎12-31-2011 11:01 AM
‎12-31-2011 11:01 AM

Re: Time to Recon?

sdoonan wrote:

 

Unfortunately, I don't believe I come from a good position to recon over the phone; the CSR I spoke with to find out my reason was pretty clear that the denial reason was a problem. With a letter, I feel I can give myself a better position, since I'm a better writer than a speaker.


Same way with me...I don't talk much, but when I want to get my point across...watch out!  Smiley Wink

Enjoying your freedom? Thank a servicemember and their family!

In the garden since 26 Jun 14...

I am digitaldiva's alter-ego


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