When to call Recon?

Anonymous · ‎11-12-2014

Hello all! First time posting here. I recently traded in my old car for a new one. My old car had a 13% APR, and my new one went to 3%. So, on a hunch, I went on a mini app spree and was able to get a few cards! Which is crazy because about 6 years ago, I had about 4 cards, but I lost my job and couldn't pay them, so they went to collections.

So I was able to get a few cards, but I want to see if I can get a few more, just for emergencies. I applied for the Discover IT, and got denied (they actually said to find a co signer!) I also applied for the Chase Freedom, and I got the 7-10 day message. My question is, when should I call on Recon for this? I literally just applied about 30 min ago. Thank you!!!

juggar · ‎11-12-2014

Yes call and recon the Chase for sure. It doesnt hurt to try, you already took the hard inquiry hit. I got BoA to recon my travel rewards card because I was denied for too many inquiries.

Amex Green, Chase Freedom(7.5K), Nationwide Visa Signature(6K), Chase Sapphire Preferred(6k), Cap One VentureOne visa signature (5K) BoA Cash Rewards siggy (5K), BoA travel rewards visa siggy(5K) PayPal Extras Mastercard(5K), Capital One QuickSilver(2.25K) Newegg Preferred Account(2K), Citi Forward(3.4K), Dell Account(2K) Discover IT(2.4K), Chase Slate (1.5K) Citi Diamond Preferred ($800), BestBuy Mastercard ($1500),Bill-Me-Later(1.2K), ,Barclay Mastercard(2K). TigerDirect TigerPay(3.15K), Wal-mart credit card(3.9K), Amazon store card (2K)

equifax - 720, TU - 747, Exp - 734 - report date 11/24/2014
15+ inqs...

Anonymous · ‎11-12-2014

@Anonymous wrote:
Hello all! First time posting here. I recently traded in my old car for a new one. My old car had a 13% APR, and my new one went to 3%. So, on a hunch, I went on a mini app spree and was able to get a few cards! Which is crazy because about 6 years ago, I had about 4 cards, but I lost my job and couldn't pay them, so they went to collections.

So I was able to get a few cards, but I want to see if I can get a few more, just for emergencies. I applied for the Discover IT, and got denied (they actually said to find a co signer!) I also applied for the Chase Freedom, and I got the 7-10 day message. My question is, when should I call on Recon for this? I literally just applied about 30 min ago. Thank you!!!

It would help to get some scores and profile information before you go spending time and possibly another HP with a recon.