Credit Card Center Advertiser Disclosure

Reply
Established Contributor
Posts: 640
Registered: ‎05-05-2017

Barclaycard app fail

[ Edited ]

So part of my vacation strategy was going to be to get a Barclaycard Arrival+ to offset the taxes and fees on my award tickets. I'd just gotten a Barclay Wyndham card a month ago, and there's no inquiries on my TU report since then so I figured I'd give it a shot before my new Amex and BoA accounts start reporting.

 

Got the unable to respond message.  Checked on the app status page a minute later and it showed as declined.

 

I called recon and had a pleasant but short conversation.  He told me I have lots of recent new accounts in the last 4 months.  I couldn't really argue with that.  He said it was a system denial and there was nothing he could do.  I asked if there was an amount of time I should wait and maintain my accounts before trying again and he said he couldn't say.  So I thanked him for his time and hung up.

 

Looking back, I think I can see what happened.  When I got my Wyndham card, the cards I'd gotten approved for in the preceeding few weeks had reported yet (Citi TYP, Chase IHG) so my newest accounts were 3 months old, along with my most recent TU inquiry.  Right now, the newest account and TU inquiry are 1 month old.

 

What do you guys think? Should I try recon again, or should I just chalk this up to hubris and try gardening until December?

 

 

EDIT: I just got my denial letter today and it seems to go along with the recent news about Barclay implementing some kind of 5/24-like rule on this card. The only reason listed was number of new accounts in the last 24 months. My TU score was 769 and at the time was showing 9 accounts < 24 months and 3 inquiries (2 inq. < 12 months).

Established Member
Posts: 15
Registered: ‎11-18-2016
0 Kudos

Re: Barclaycard app fail

I think you should recon again.  But express why you want the card like I'm really interested in the card because I recently started traveling internationally for work and would like to take advantage of the no foreign transaction fee and the benefits of having a WEMC.  I'm not looking for alot of credit just want my foot in the door.  I recently got denied for the aviator card but i had a successful recon

Community Leader
Super Contributor
Posts: 14,080
Registered: ‎04-16-2014

Re: Barclaycard app fail

Golden rule with barclay's is wait 6 months between applications with them and typically will get an instant approval regardless of how many new accts you have with them... If it is 1-4 months it usually will be a decline.  Just to save you HP's in the future.  Certainly can try to call and recon again and if no then offer to move some of your limit from the other card to get it opened and that might work.

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | US Bank | Fifth Third Bank | FNBO
Established Contributor
Posts: 640
Registered: ‎05-05-2017
0 Kudos

Re: Barclaycard app fail


CreditCuriousity wrote:

Golden rule with barclay's is wait 6 months between applications with them and typically will get an instant approval regardless of how many new accts you have with them... If it is 1-4 months it usually will be a decline.  Just to save you HP's in the future.  Certainly can try to call and recon again and if no then offer to move some of your limit from the other card to get it opened and that might work.


Good to know... thanks.

 

They only gave me $2800 on the Wyndham card, so I don't have much to contribute to a new card.  I'll just wait and apply later.

Established Contributor
Posts: 924
Registered: ‎01-16-2017
0 Kudos

Re: Barclaycard app fail

[ Edited ]

I waited 3 1/2 months between my Barclay approvals.  I had a ton of new accounts in prior 4 months and a lot of hard pulls on Trans Union (This was 10th in prior 6 months).  Do you carry balances? I see a lot of interest rates listed on your cards? Maybe that is the difference.

January 15 2017 Experian 527 Transunion 528 Equifax 529
August 1 2017 Experian 702, Transunion 711, Equifax 715

BOA Cash Rewards, AMEX BCE, AMEX PRG, AMEX Ameriprise Platinum, AMEX SPG, CITI AADvantage Platinum, Chase Southwest Premier, Chase Southwest Plus, Barclay Arrival +, Barclay AAdvantage Red Aviator, USAA Prefered Cash Rewards , Cap One Quicksilver, Lendup L card, JCrew, Pottery Barn, Express, NFCU Go Rewards.. 130k total credit lines.
Established Contributor
Posts: 640
Registered: ‎05-05-2017
0 Kudos

Re: Barclaycard app fail

I don't carry balances. I have less than 1% utilization and always pay in full, usually before statement prints except for a few cards I let report.
Super Contributor
Posts: 8,352
Registered: ‎11-12-2014

Re: Barclaycard app fail

Typically repeat recons with Barclay aren't very helpful as they go off of notes from prior calls. No harm in trying but don't expect too much. In all likelihood you just have to garden awhile. Too many new accounts is a very tough thing to recon with them.
Valued Contributor
Posts: 2,684
Registered: ‎11-21-2013
0 Kudos

Re: Barclaycard app fail

Barclay's has always been tought for me to crack. good Luck

Established Contributor
Posts: 924
Registered: ‎01-16-2017
0 Kudos

Re: Barclaycard app fail


MrDisco99 wrote:
I don't carry balances. I have less than 1% utilization and always pay in full, usually before statement prints except for a few cards I let report.

Strange.  I did put 5k on my first Barclay card before getting my second one.  Or maybe it is just that the Aviator is easier to get.  

January 15 2017 Experian 527 Transunion 528 Equifax 529
August 1 2017 Experian 702, Transunion 711, Equifax 715

BOA Cash Rewards, AMEX BCE, AMEX PRG, AMEX Ameriprise Platinum, AMEX SPG, CITI AADvantage Platinum, Chase Southwest Premier, Chase Southwest Plus, Barclay Arrival +, Barclay AAdvantage Red Aviator, USAA Prefered Cash Rewards , Cap One Quicksilver, Lendup L card, JCrew, Pottery Barn, Express, NFCU Go Rewards.. 130k total credit lines.
Highlighted
Valued Contributor
Posts: 1,577
Registered: ‎06-05-2015
0 Kudos

Re: Barclaycard app fail

Won't hurt to recon again.  Some people have success on 2nd even 3rd recon call...let us know what happened.


Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.