RobertHanson

AFAIK, the first app stays active for a month, true. But the second app has not been even considered, so they do a new HP for it if you call Recon on a different day. When they product changed my Plat for a Sig, even though I requested that the same day, it took them a couple of days to get that approved by Customer Relations, and they absolutely did a second HP.

Jesperss

Yup..working over here as well. Never a denial or reconsideration call.

Dr Jabadski

How often do you each do 1&1? How long do you keep each card open? Thanks.

anubond005

I got 2 letters today. 1st said application approved and card will be in mail (tas for the 1st approval). Another letter said they are denying my application based on Experian report, too many inquiries n all that. I will still call today and update the thread.

asur

Has anyone been denied for too many inquiries and been approved by calling reconsideration? If, recommendations on what to say? Tried calling and got shutdown hard by the rep who sounded pretty disapproving of my 15+ inquiries over the past year.

RobertHanson

We have fewer data points for B/A than for Citi and Chase, but with most banks how many is too many varies from person to person. For instance with Citi, some folks have a limit of 6 in 6 months, and others can get approved with as many as 9 or 10. In addition, you gave us the 12 month figure, but not the 6 month figure, nor if all of those are with the same CB. Typically, a bank only takes into account the number of HPs per CB, since there is always the possibility that some of the HPs from multiple CBs are duplicates because some banks pull from 2, or in the case of Cap One, all 3 bureaus for a single app.

Not knowing any of that in your case, nor how strong your credit file and history with B/A are, all I can say is there is no charge, and AFAIK no harm, in calling Recon several times (with the exception of Barclays, which will note in your file that you have already called and get annoyed at you for calling again). So if you can handle the pain of outright rejection, I'd say call Recon at least 3 times, maybe at different times of day to make sure you get different CSRs, and see what happens. However it turns out, it will be helpful if you report your results here. We can all use more data points on B/A...

rev

Yes, and I can guarantee I have many less inquiries than a lot of FTers and have been given 'a talking to' by them. However, many FTers that have many many HPs still get auto-approved. You never know. We do our best here to post data points to increase the odds of auto-approval, but you still need to be prepared to play the cards your dealt.

I've once been told by a rep she wouldn't approve me because my oldest accounts don't get used enough. My oldest card is a non-rewards CapOne Platinum with a $500 limit. Still can't figure that one out...

Just try to plead your case that you're a responsible borrower, pay bills on time, will put plenty of charges on the card, etc. Move credit if you have the option. Remember, banks WANT to do business with you, so if you were denied, it's because their system thinks you pose a risk for some reason. Give the rep a reason to trust that there is no reason not to approve you. In my case, I never said it directly, but strongly hinted to 'elevate' the case to a senior credit analyst or whatever they called it - the rep put a recommendation to approve note, it went back to pending, and was approved 5 days later.

TravelingRabbit

I had 10+ inq over the past year, got auto-approved for 1 bus and 1 personal today, so it is definitely alive and working.

littlewinglet

Do you have any existing Alaska cards?

rev

I'm not sure if you're referring to the conversation a few days ago, but that was about multiple personal card apps. Biz and Pers have always been considered separate products by virtually every bank. Wouldn't be surprised if that changed soon though the ways things are going

stabish

So I was approved for a personal card 90 days ago and would like to know if i apply for BZ & Personal both the same day will i be approved for both?

chunky649

Is there any concensus on when I can apply for a second personal Sig card? I last applied ~Christmas2015. I've previously had 2 of the same card earlier in 2015 (cancelled more than 6 months ago). There doesn't seem to be a 8/65 day rule like Citi...

aza72

1 per 90 days seems to be generally considered a safe bet.

chunky649

Thank you for your response. Unfortunately for me, it is a long wait... and I'm currently in a rare period where I'm not working toward meeting a spending limit for a cc signup bonus. I'm not working hard enough... :-)

macrophage

Is it safe to apply with 3 open personal Alaska cards? Or should I close them? They've been open for: 1 year, 6 months and 8 months.