Does anyone know how Bank One (First USA) is about reconsiderations? I currently have the United Mileage Plus Visa with them. Credit Limit was $13,100. I applied for the Marriott Rewards Visa (a preapproval, I was stupid enough to send it in). I got a declination letter stating that I had too much credit available. Two weeks later, they raise my CL to $15,800!!! I'd like to ask them to reconsider, and I'll close my US Airways card with B of A. Do you think I have a chance? Should I call, write, or PFB?
That is so crappy they used that excuse...I have 5% utilization...but a TON of available credit. Sucks we are punished for being disciplined...at least that's what it feels like. I had a lender say I had too much available credit. What am I supposed to do...let my balances ride? I think the truth is that they dont make money off of us, lol. Anyhow, try Bankone...I have heard good things about them. Just needed to vent.
