Originally Posted by
lowkeyflyer
I'd imagine it's better to lower your limits in general to maximize chances of auto-approval to avoid recon. Also, P2 got denied for 2nd Ink.
…
Called recon and this was provided as reason:
Too many accounts across all banks
Balance high on existing Ink (maxed out 4k/4k)
Just opened a new Chase biz card
Low usage of chase personal lines (Freedom with 19k limit hasn't been used in a year)
Recon was unable to approve. Is this a HUCA?
To each their own. FWIW, as a consolidate advocate, despite being at ~144/12 years, ~22 mostly biz open accounts, with only $1000 on CFU in the past year when it was basically my only Chase personal card, I’ve only had 2 Chase irreversible declines in the past 15 years, with average of 3-4 cards/year prior to 5/24 and 2-3 since 5/24 and both of those declines were “tests” to see if CPC was still a way around 5/24. Obviously I believe it’s better to consolidate that to lower, part of it for me is the devil I know (decline for too much credit extended) vs the devil I don’t know (how much to lower to).
As a consolidate advocate, despite many recon calls, I’m far from a recon expert and I did NOT stay in a Holiday Inn Express last night*. It reads as though there are several factors to overcome to get to an approval and unlikely to be a HUCA success story, successful recon calls probably only need to overcome 1 or 2 negative factors.
(*The expression, used in every spot, "
No, but I did stay at a Holiday Inn Express last night," has become an enduring piece of pop culture.)