- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
I wouldn't say it's easy,but it's RELATIVELY easy, compared to say Citi, which is damn near impossible over the phone with a CSR, or Amex who will only recon if something in your report is wrong or if you push it to the executive office. With Chase in particular, you can make your case to an analyst who can recommend you for approval as long as it's approved by the person above them (and if they recommend it, it usually is).
Everything is relative, and compared to most other lenders Chase is relatively easy to recon with, maybe Barclay's is the only lender that I know of that is even easier to talk your way into.
I would say common sense goes a long way with a recon. Consider it from their perspective - why should they give you the card you want? Remember they are people like you and there will be ZERO desire to help a real a-hole but if you're nice, geniunely nice not phony talk, it can help as well. So don't come across with an attitude and line like "Do you know who my father is he could buy your bank and fire your @$$!!!!!" because the CSR will be thinking ok so what are you shopping for credit for, and then probably other things about you that can't be printed in the newspaper, and you will get nowhere at all. (Would YOU help someone who was like that?)
These things go a long way. Be prepared to answer their questions - are those inquiries because you were auto loan shopping? If they were point that out. Mention your great history with bank X, and while you've been a good customer for them, you really like the great offerings by Chase and would like to start a relationship with them that could lead to them being your primary bank (if it's true, don't lie, it will bite you in the end).