What are some good points for the Reconsideration line?

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What are some good points for the Reconsideration line?

Postby American » Wed May 09, 2012 11:49 pm

I've called AmEx before and got it, but I haven't called Chase. I was declined for the BA Chase card because I've opened too many recent lines and too many inquiries...

The last line of credit I've opened is January :\ Before that, it was November. I have a total of 8 inquiries on my credit. Other than that, I have a solid Credit Utilization, flawless payment history, and a great credit score, so I was surprised I was declined for both the Sapphire Preferred and BA cards.

I have 2 Amexs, which I use for everything, but I really want a solid rewards Visa for the AmEx-hating-merchants.

What points do I have for them to reconsider me?
American Express '02: Platinum, Blue Cash Preferred 6k, SPG 2k, Delta Gold 1k
Barclaycard '11: Apple Financing Card 2.5k
Citi: Diamond Rewards 1.5k
Chase: Freedom 500
Discover '12: Discover IT 1.5k

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Postby JCarter » Thu May 10, 2012 10:43 am

Explain your position, your credit history and your stability of income and you'll be fine.

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