Thanks for reply. Over 5/24 on individual accounts (not b.c. of AU). Only option for us is phone recon as u said.. but if ppl are getting approved via phone recon without CPC or anything else special this is good to know...
What do you mean care about inquiry if denied? We believe the CSR trumps all other cards / offers and we can stay busy with spend thresholds for at least a few months on it.... I would ideally like to open CSR for me, SO , both parents and my brother.
There are *some* people getting approved via phone recon that are not CPCs. Since that's the only option in your case, you might as well try or find someone who's good at recon to call for you.
Many people here say the number of inquiries on your credit report is over-rated. Other people don't like an inquiry without a card. Different strategies have been utilized. It just personal preference.
1. Apply for CC, if denied apply for different CC from same issuer to get the pulls combined and possibly get at least one CC. (If done on the same day and both are personal cards)
2 Apply for CC, if approved, apply for another CC from same issuer to get the pulls combined and possibly get two new CCs. (If done on the same day and both are personal cards).
3. Apply for CC, stop there.
I thought you had already applied and it went to recon, but based on your last sentence it sounds like you haven't applied yet.