What card to apply for to get sons credit started on own?

[audia4]

Did Discover it

  Congratulations, you've been approved!

He's officially done with apping.

[BluePoodle]

Congrats!  Let us know how the recons go!  

[audia4]

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@BluePoodle wrote:

Congrats!  Let us know how the recons go!  

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I'm honestly not even sure how to do a recon or what's involved or what to tell him to say???

[BluePoodle]

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@audia4 wrote:

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@BluePoodle wrote:

Congrats!  Let us know how the recons go!  

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I'm honestly not even sure how to do a recon or what's involved or what to tell him to say???

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I would just have your son call the numbers for the three that were pending (non were flat out denials) and have him tell them he applied and wanted to find out what why they were pending instead of approved. They will probably verify address, employer, rent that kind of thing. He may need to send paystubs or just answer very general questions. That is how mine have been. All of the recon numbers for each bank are here on the forum if you do a search.

[Beckhsrules]

Once you get an email with the last five digits of the card number try calling the customer care and by providing the last 5 digits and the zipcode you should be able to know the limit of the card even before you get the card in hand actually.

[B335is]

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@audia4 wrote:

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@BluePoodle wrote:

Congrats!  Let us know how the recons go!  

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I'm honestly not even sure how to do a recon or what's involved or what to tell him to say???

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When I first discovered reconsideration, I found a few articles through Google searches and some even had videos that were helpful to me.  If you decide to contact Barclays before they reach a decision on their own, dial the number under "helpful threads" then "backdoor numbers."  Have your son explain he applied for the Sallie Mae card and was wondering if he could provide any information to assist them in reaching a decision.  His short history is obviously the concern, so he will want to explain how he's a good risk for them (how he plans to manage utilization, ontime payments and give them lots of business, etc...).  When you call Chase, basically the same conversation.  I've found Chase to be strictly business; They'll ask for the application number or SS# and the purpose of the call.  Barclays will discuss his credit profile a bit more.  I would also suggest having a few data points on why your son wants both cards before calling. 

It can be a bit intimidating the first few times and I have even written down cheat sheets prior to calling so I don't slip up or forget to point something out.  But at his young age in the credit world, it's him they should want and value as a customer for many years to come.  He will most likely always remember who gave him a chance first.

[BluePoodle]

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@B335is wrote:

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@audia4 wrote:

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@BluePoodle wrote:

Congrats!  Let us know how the recons go!  

---

I'm honestly not even sure how to do a recon or what's involved or what to tell him to say???

---

When I first discovered reconsideration, I found a few articles through Google searches and some even had videos that were helpful to me.  If you decide to contact Barclays before they reach a decision on their own, dial the number under "helpful threads" then "backdoor numbers."  Have your son explain he applied for the Sallie Mae card and was wondering if he could provide any information to assist them in reaching a decision.  His short history is obviously the concern, so he will want to explain how he's a good risk for them (how he plans to manage utilization, ontime payments and give them lots of business, etc...).  When you call Chase, basically the same conversation.  I've found Chase to be strictly business; They'll ask for the application number or SS# and the purpose of the call.  Barclays will discuss his credit profile a bit more.  I would also suggest having a few data points on why your son wants both cards before calling. 

It can be a bit intimidating the first few times and I have even written down cheat sheets prior to calling so I don't slip up or forget to point something out.  But at his young age in the credit world, it's him they should want and value as a customer for many years to come.  He will most likely always remember who gave him a chance first.

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+1

[pizza1]

Congrats on his approvals for Discover and amex!! I would stop there, don't apply for anything else for 6-12 months, garden those two cards. I'd recon the sallie Mae, and try to recon via EO on cap one since you've already taken the hit, but at this point, with Amex and the 61 day cli thing I'd be tempted to forget cap one you've already got two big dog....after gardening, then I'd apply for chase

[audia4]

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@BluePoodle wrote:

I would just have your son call the numbers for the three that were pending (non were flat out denials) and have him tell them he applied and wanted to find out what why they were pending instead of approved. They will probably verify address, employer, rent that kind of thing. He may need to send paystubs or just answer very general questions. That is how mine have been. All of the recon numbers for each bank are here on the forum if you do a search.

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Actually Chase was a flat out denial over the phone. He got the message to call them right away to continue with the process and was told that since he didn't have any prior cards, they could not issue him a card at this time and said to go get some gas or store cards and try back another time.

[audia4]

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@pizza1 wrote:
Congrats on his approvals for Discover and amex!! I would stop there, don't apply for anything else for 6-12 months, garden those two cards. I'd recon the sallie Mae, and try to recon via EO on cap one since you've already taken the hit, but at this point, with Amex and the 61 day cli thing I'd be tempted to forget cap one you've already got two big dog....after gardening, then I'd apply for chase

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Definitely stopping there for sure and garden the cards.

Hopefully he'll have better luck with AMEX than I have. I have tried a cli faithfully since I first got the card and have been denied every single time.