"Reason For Denial"
Chevron / Texaco Techron Advantage Credit Card Review
Written by: brian23 on 2008-05-27
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
brian23's review: 
Well, apparently this company is being environmentally friendly. I received the letter in an email today, telling me the reason for the denial. It mentioned nothing about to many inquiries, it just brought up charge-offs and past due accounts (which on my report would only be from the charge-offs from 5-7 years ago). So, I decided to write them a nice letter providing my own input and requesting that they further validate there decision (I have over 2 years of clean payment history on 4 credit cards, 2 auto loans and 3 student loans).
Well, apparently this company is being environmentally friendly. I received the letter in an email today, telling me the reason for the denial. It mentioned nothing about to many inquiries, it just brought up charge-offs and past due accounts (which on my report would only be from the charge-offs from 5-7 years ago). So, I decided to write them a nice letter providing my own input and requesting that they further validate there decision (I have over 2 years of clean payment history on 4 credit cards, 2 auto loans and 3 student loans).
2 Comments
Comment 1 by hjm331
RE: Brian 
on 2008-05-28
That's a really good idea to send them a letter. If they send you a letter still denying your request for an account with them, write a letter back to them asking them kindly to start you with a low limit and that you will be to establish a good reputation with them. Basically, just ask them for one chance and prove to them that they are not going to regret approving you for their card.
By the way, I hope you're sending all of these letters by Certified Mail so you will have proof that they have received your letter.
Good Luck
on 2008-05-28 That's a really good idea to send them a letter. If they send you a letter still denying your request for an account with them, write a letter back to them asking them kindly to start you with a low limit and that you will be to establish a good reputation with them. Basically, just ask them for one chance and prove to them that they are not going to regret approving you for their card.By the way, I hope you're sending all of these letters by Certified Mail so you will have proof that they have received your letter.
Good Luck
Comment 2 by brian23
Re: HJM on 2008-05-28
Thanks for the advice! Of course I am sending them certified. I have 5-7 years experience with collection agencies... Everything from me is always certified... Lol
on 2008-05-28 Thanks for the advice! Of course I am sending them certified. I have 5-7 years experience with collection agencies... Everything from me is always certified... Lol
Please login or register for free to view your stats, add reviews and card application results, or post comments.
Credit card reviews and comments are posted by user submission and do not warrant the opinions of Finance Globe.
Disclaimer: This content is not provided by Synchrony Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Synchrony Bank. Review content is powered by Finance Globe.
Disclaimer: This content is not provided by Synchrony Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Synchrony Bank. Review content is powered by Finance Globe.
