Barclay Recon Help

[mystikal1]

I thought I was done with apps for awhile but I seen the NFL card with 0% BT....I apped and was denied. Any advise on the best way to recon it? Scores are 650-670 range util is about 50%.

[FinStar]

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@mystikal1 wrote:

I thought I was done with apps for awhile but I seen the NFL card with 0% BT....I apped and was denied. Any advise on the best way to recon it? Scores are 650-670 range util is about 50%.

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The utlization alone is going to be killer if you attempt any reconsideration efforts.  Are those your actual FICO scores?  Also, what else is holding those scores down, any negatives on your CRs?  What about your AAoA and how many other cards do you have?

[Scupra]

Explain you want to do a BT and start a relationship with a great bank!

[Anonymous]

Like Scupra said, explaining why you want the card and having them take a look at your report can really help. I did a recon for my Arrival+ and was approved because of paying down a large balance and essentially being nice to the girl. It just really depends.

[mystikal1]

Thanks everyone. It was a no go..So I will continue to pay everything down and try agsin next year. Going to figure out what cards I want in my next APP spree.

[Anonymous]

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@mystikal1 wrote:

Thanks everyone. It was a no go..So I will continue to pay everything down and try agsin next year. Going to figure out what cards I want in my next APP spree.

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Good choice. Garden now and plan your app future while you continue to grow your relationships with current lenders