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I don't know if you still can or not, but 3 other new accounts probably won't impress them. Not to mention it would likely be another hard pull. I would say to wait for the accounts to age a year and then try again if it was a card that you really want.
@coroc wrote:
I was denied a card awhile back was thinking bout trying a recon due to the fact denial was because didnt have enough accounts (at time only had one card) well now i have 4 so is it too late? Apped for it i think Jan-sumthing
Applications are usually kept on file for 30 days like Chase. They keep your current credit pull and report. They will not know you got new accounts with the same report on file until you tell them to pull another report if your new accounts are reporting.
But you could shoot your self in the foot because most lenders frown upon too many new accounts within 6 months.
@chnceit wrote:Applications are usually kept on file for 30 days like Chase. They keep your current credit pull and report. They will not know you got new accounts with the same report on file until you tell them to pull another report if your new accounts are reporting.
But you could shoot your self in the foot because most lenders frown upon too many new accounts within 6 months.
While Chase keeps the application, they will do another inquiry even if you ask for a reconsideration the same day you received a denial.
If information on the report has changed, I don't see a reason to ask for a reconsideration. Just do a new application, unless the offer you wanted is no longer available.
@SnackTrader wrote:
30 days is typical. Not to mention, it would be another hard pull for the company to see your new accounts.
Also, just having 4 accounts is VERY different from having experience with 4 accounts. The denial likely implied that you needed more credit card history. Since you have cards now, use them well, pay in full, and give it 6 months. Once you have 6 months of history reporting on those cards feel free to reduce your utilization (don't let large balances report) and apply for this card again. Who knows, the results might change
This is true, 30 days would be the spot. And you're right about the experience with the cards as well. Some people (like myself) think that when you acquire a good number of cards in a short time frame that you are automatically a good candidate for a prime card. NOPE! They want to see aging of your accts not the amount of accts you have. I am in the same boat. I have acquired alot of cards within the last year which makes me unable to qualify for any prime cards until I age the ones I have. While you're aging these accts, get those limits up with CLIs to maximize your chances of getting accepted into the prime land. GOOD LUCK on your journey, I'm so excited about mine!