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HUCA tips:

1) To avoid being told "You already called about this and were told no". The trick is to call about other things in the middle, so when the rep looks at the notes of the last few calls it's other stuff.

2) To avoid speaking to the same rep you just spoke to. The trick is to use 2 phones, so when the tzaddik answers, you quickly call on the other line and ensure you get a different one.
« Last edited by txtmax4 on February 26, 2013, 02:35:34 AM »

Author Topic: The Power of HUCA, HUCA success stories  (Read 34862 times)

Offline CountValentine

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Re: The Power of HUCA, HUCA success stories
« Reply #80 on: March 19, 2013, 03:29:19 PM »
Back in the day when citi had the 75k AA card which at the end was only available over the phone, I called for the visa to apply and then called right back to apply for the amex when the same guy picked up.
Sounds like Fernando at discover teen (no one will get this one).
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Offline meshugener

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Re: The Power of HUCA, HUCA success stories
« Reply #81 on: March 19, 2013, 03:30:02 PM »
Sounds like Fernando at discover teen (no one will get this one).
Maybe HelpMe will get it, no?
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Offline jaywhy

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Re: The Power of HUCA, HUCA success stories
« Reply #82 on: April 11, 2013, 07:39:39 PM »
My wife is applying for her first credit card. (Freedom). She got declined because of no credit history. Our first call to recon resulted in a decline and she refuses to call again because she thinks she will keep getting rejected. (She doesn't like rejection :'()
She's agreed to keep calling if someone can share a instance of being approved for a Chase card after an initial rejection due to lack of any credit history.
Guys, help me out ;)

Offline smurf

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Re: The Power of HUCA, HUCA success stories
« Reply #83 on: April 11, 2013, 08:01:18 PM »
Thanks, will give a look.
Another cute thing I noticed, I opened a Amex card on Jan '13, but on the report it shows up as opened since Jan '12! (my first card with Amex was opened April '12).
This was discussed before

Offline meshugener

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Re: The Power of HUCA, HUCA success stories
« Reply #84 on: April 11, 2013, 08:29:47 PM »
Where?
Love me or hate me. I still love you.

Offline yaakov s

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Re: The Power of HUCA, HUCA success stories
« Reply #85 on: April 11, 2013, 08:42:20 PM »
My wife is applying for her first credit card. (Freedom). She got declined because of no credit history. Our first call to recon resulted in a decline and she refuses to call again because she thinks she will keep getting rejected. (She doesn't like rejection :'()
She's agreed to keep calling if someone can share a instance of being approved for a Chase card after an initial rejection due to lack of any credit history.
Guys, help me out ;)
First off why is she calling and not you???

If she really doesn't have credit then her call ancestors are slim to none.

That doesn't mean you don't call.

Offline jaywhy

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Re: The Power of HUCA, HUCA success stories
« Reply #86 on: April 11, 2013, 08:47:16 PM »
First off why is she calling and not you???

If she really doesn't have credit then her call ancestors are slim to none.

That doesn't mean you don't call.
Obviously I'm the one calling, I need her on the phone to verify her information before handing the phone to me.
I can't pull off a good woman's voice  ;)
She's been an AU on my a few of my cards for a while but no credit in her name.

Offline yaakov s

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Re: The Power of HUCA, HUCA success stories
« Reply #87 on: April 11, 2013, 08:50:47 PM »
Obviously I'm the one calling, I need her on the phone to verify her information before handing the phone to me.
I can't pull off a good woman's voice  ;)
She's been an AU on my a few of my cards for a while but no credit in her name.
That's not called rejection, but don't rock your SB.

First mistake you married someone with a ladies name. Mushkie ain't a problem Shprintzy isn't either.

With Chase AU is worthless. There is a thread about building credit with a good Wiki

http://forums.dansdeals.com/index.php?topic=266.0
« Last Edit: April 11, 2013, 08:54:34 PM by yaakov s »

Offline bubbles

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Re: The Power of HUCA, HUCA success stories
« Reply #88 on: April 11, 2013, 09:07:25 PM »
My wife is applying for her first credit card. (Freedom). She got declined because of no credit history. Our first call to recon resulted in a decline and she refuses to call again because she thinks she will keep getting rejected. (She doesn't like rejection :'()
She's agreed to keep calling if someone can share a instance of being approved for a Chase card after an initial rejection due to lack of any credit history.
Guys, help me out ;)

got rejected for short credit history for the IP and got it approved after HUCA

Offline jaywhy

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Re: The Power of HUCA, HUCA success stories
« Reply #89 on: April 11, 2013, 09:08:34 PM »
That's not called rejection, but don't rock your SB.

First mistake you married someone with a ladies name. Mushkie ain't a problem Shprintzy isn't either.

With Chase AU is worthless. There is a thread about building credit with a good Wiki

http://forums.dansdeals.com/index.php?topic=266.0
Tell me about it :)
I'm pretty sure I can get her the card with enough HUCA, someone mentioned having HUCA'd 21 times before getting his first Chase card... Just need a success story to convince her..
In absence of that, I can get a special reconsideration letter from a banker.

Offline jaywhy

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Re: The Power of HUCA, HUCA success stories
« Reply #90 on: April 11, 2013, 09:10:36 PM »
got rejected for short credit history for the IP and got it approved after HUCA
Short or none?

Offline bubbles

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Re: The Power of HUCA, HUCA success stories
« Reply #91 on: April 11, 2013, 09:11:28 PM »

Offline yaakov s

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Re: The Power of HUCA, HUCA success stories
« Reply #92 on: April 11, 2013, 09:13:51 PM »
Short or none?
Obviously shortish. IME the threshold to have credit to get approved on a biz card is higher

But you need to HUCA, because hey you never know

Offline jaywhy

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Re: The Power of HUCA, HUCA success stories
« Reply #93 on: April 11, 2013, 09:27:41 PM »
Obviously shortish. IME the threshold to have credit to get approved on a biz card is higher

But you need to HUCA, because hey you never know
I believe in HUCA but my wife doesn't.
So, can anyone share a instance of being approved for a Chase card after an initial rejection due to lack of any credit history.

Offline Nitantnel

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Re: The Power of HUCA, HUCA success stories
« Reply #94 on: April 11, 2013, 10:41:46 PM »
Why not call for her?

Offline jaywhy

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Re: The Power of HUCA, HUCA success stories
« Reply #95 on: April 11, 2013, 10:47:24 PM »
Why not call for her?
Because I don't feel comfortable lying about who I am on a recorded line while imitating a woman's voice.

Offline sky121

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Re: The Power of HUCA, HUCA success stories
« Reply #96 on: April 11, 2013, 10:48:42 PM »
Because I don't feel comfortable lying about who I am on a recorded line while imitating a woman's voice.

She can talk and then hand you the phone.
"Not all who wander are lost"

Offline jaywhy

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Re: The Power of HUCA, HUCA success stories
« Reply #97 on: April 11, 2013, 10:50:53 PM »
She can talk and then hand you the phone.
Obviously I'm the one calling, I need her on the phone to verify her information before handing the phone to me.
She refuses to call again because she thinks she will keep getting rejected.

Offline judahk88

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Re: The Power of HUCA, HUCA success stories
« Reply #98 on: April 11, 2013, 11:00:14 PM »
Because I don't feel comfortable lying about who I am on a recorded line while imitating a woman's voice.
When I call for my wife's cards I just say her name as if it is me. If it is a Jewish name a lot of times they wont know at least IME. Had to do this a few times in the past few days.

Offline jaywhy

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Re: The Power of HUCA, HUCA success stories
« Reply #99 on: April 11, 2013, 11:03:42 PM »
When I call for my wife's cards I just say her name as if it is me. If it is a Jewish name a lot of times they wont know at least IME. Had to do this a few times in the past few days.
My wife has a very non-jewish and very female name...