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Reconsiderations

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For those of us who are new at this, what is the right way to do a recon if denied credit? Such as what to ask and how to go about asking? I see the list of numbers in another thread, but for someone who has never attempted this before, the process can seem a little daunting. Thx

 

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For those of us who are new at this, what is the right way to do a recon if denied credit? Such as what to ask and how to go about asking? I see the list of numbers in another thread, but for someone who has never attempted this before, the process can seem a little daunting. Thx

 

Nothing daunting. If you're asking for reconsideration, you've already been denied or given a crap limit. So you have nothing to lose but a couple minutes of your time.

 

Sell yourself and why the issuer should want to do business with you.

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For those of us who are new at this, what is the right way to do a recon if denied credit? Such as what to ask and how to go about asking? I see the list of numbers in another thread, but for someone who has never attempted this before, the process can seem a little daunting. Thx

Nothing daunting. If you're asking for reconsideration, you've already been denied or given a crap limit. So you have nothing to lose but a couple minutes of your time.

 

Sell yourself and why the issuer should want to do business with you.

 

 

That's basically it. Ask why you were denied if you don't already know, and then start addressing them one a time in a business casual fashion and keep emotions out of it. Banks give their underwriters latitude to overturn a credit app denial.

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