yfan wrote:There's this persistent myth on certain credit boards that if you are willing to spend enough time being a pest on the phone, anything is possible. "620 FICO and Amex won't approve you for the Platinum? Don't give up! Call recon! Keep calling until they get tired of you and say F it and just give it to you. Then keep calling until they agree to give you a quantillion MR points for $100 spend."
It's absolutely ridiculous. Issuers do not "give in" after x amount of phone calls. Yes, one or two recon calls can be reasonable, especially if on the first call you get a nasty rep or someone who isn't really listening. But people who recon 10 times? I just don't get it. If you have to beg that much for a card they probably really do not want to approve you and will be watching your account like a hawk.
Also the people abusing the JP Morgan executive line (or any EO line) for the silliest request really annoys me too. "Oh, well *I* have the JP morgan priority number and I call it every time I want something" even if it's something ridiculously simple. It makes me laugh.
I don't understand the big deal with waiting a few months and applying when your credit improves...I mean, by and large, the cards aren't going anywhere!
I applied for the Hyatt and IHG back in July. I should have just let them both process and I probably would have been approved as many many many others have done (even though this was called a myth above...)
Anywho, I called recon, denied x2. Woman was super rude, said both of these cards have 5k starting limits, and I dont have enough experience with a limit that high, and it was crazy of me to apply for two cards at once. Umm ok whatever woman, chase can and will 2nd HP plus the combine inquiries, so why would I not offset the potential 2nd HP by double apping???
Day later, got the same lady. 2 days later I saw a 2nd HP show up. Called in, denied. Called in again that night, IHG approved $5k, hyatt denied. Called 2x more for hyatt, denied denied lol.
So there are always YMMV situations and I agree that nothing is every 100% absolute/universal. There are always exceptions. Guess I am one of them.