recon skill needed !!

[Anonymous]

How do I reach citi EO and how should I talk, my application is diamond preferred.

[Anonymous]

Yes, the 12k is reporting

[FinStar]

Your file appears to have a lot of new TLs (<12 months) not including your recent app fiesta.  How old is your BOA?

IMHO, garden for a while.  No expert "reconsideration skills" are going to overshadow the fact that your experience with most of your recent CCs are in a fairly young state of growth (i.e. don't bite off more than what you can chew).  In time, you can achieve future CLIs or potentially grow what you currently already have.

[09Lexie]

Overturning a computer denial with Citi will be difficult because the facts are 4 new TLs opened in less than a year.

Barclays has a possibility of crowing with time and proper usage -I would leave them alone

Chase, if your recon for CLI didn't result in an additional hp, I'm sure another call would. If your credit hasn't changed since the CL was approved- no reason to keep calling. Plus, you have no experience with a $10k CL

Discover does not recon initial CL's. Just use the card and request a CLI after 90 days.

What is the rush with obtaining high cls ? With an extremely thin file you've done well. Let your new lenders have the opportunity to reward your proper credit management by increasing your CLI's.

[Anonymous]

I just try to get as much as I can with my hp....lol and then garden. After 6 to 12 months, CLI with higher initial credit will have better result, I guess.

What else should I apply now? any cards suggestion with decent initial credit and good features. I wanna push it all in together and let all the hp age together before my home loan in 2015 or 2016.

In this app spree, I got approval from BCE, Discover IT, Barclay arrival, 2 comenity visa cards, Chase freedom, DCU auto loan and DCU visa card. There are 4 more pending applications

[09Lexie]

You didn't mention Amex, DCU or 4 more apps. You have apped enough to let those accts/inq's age together. There's nothing wrong with getting the most bang for your buck but its time to stop when you get 1. Lower CL's; 2 have to recon 3 denials.

[Anonymous]

If you had waited to 1 year mark on first cards, your app spree would have gone better.  Personally I wouldn't bother with further recon at this point as I doubt it would work.  However, I would ask them to match your 12k card and say you could use that for amount for daily use.  However, don't be surprised if someone pulls another HP during your recon process.

[Anonymous]

The Amex and the rest are not shown on my report yet.

I forget to apply GE, which GE card is good?

By the way, how do I contact Citi EO? and how should I start my conversation with them? can I just tell them that I just got declined for credit card application and wanna recon? 

[09Lexie]

The question was what new TLs are not on your report, in response to your '2 new TLs not on your report'.

It's difficult to help if the information comes in spurts.

With the volume of new accounts -reporting or not- and the potential of pending applicants to be approved, your chances of successful recons are slim at best.

Good luck!

[parakleet]

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@09Lexie wrote:
You didn't mention Amex, DCU or 4 more apps. You have apped enough to let those accts/inq's age together. There's nothing wrong with getting the most bang for your buck but its time to stop when you get 1. Lower CL's; 2 have to recon 3 denials.

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+1 Couldn't agree more. A spree stops being successful if you're being met with denials. You gotta know when to stop while you're ahead. That's a lot of new accounts for someone even with a thick file so I would stop while you're ahead.