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I feel like if I'm going to get the best advice from you all, I should disclose the bad along with the good, so... confession time... I apped for the Barclay Apple card after you all told me not to.
You were right. It was a denial. It did go pending for a few hours, which gave me false hope.
I really shouldn't have apped this soon, and I don't know why I did it when I wasn't looking to make a purchase this soon anyway.
Actually now that I'm writing this, I do remember my rationale... I have a bunch of Amex accounts that are about to report for the first time (second statement) and I wanted to try to head them off.
But... now that I took the HP and the app is in their system... I'm thinking I may be able to salvage a recon if I offer to move some CL from my CashForward. Anyone know how long I have with Barclay to do a recon? I'd actually like to put it off a couple weeks if I can.
I'm going to app for a Delta card next month and then I swear I'm done for at least the rest of the year.
UPDATE: Got a verification request letter! See below...
@MrDisco99 wrote:I feel like if I'm going to get the best advice from you all, I should disclose the bad along with the good, so... confession time... I apped for the Barclay Apple card after you all told me not to.
You were right. It was a denial. It did go pending for a few hours, which gave me false hope.
I really shouldn't have apped this soon, and I don't know why I did it when I wasn't looking to make a purchase this soon anyway.
Actually now that I'm writing this, I do remember my rationale... I have a bunch of Amex accounts that are about to report for the first time (second statement) and I wanted to try to head them off.
But... now that I took the HP and the app is in their system... I'm thinking I may be able to salvage a recon if I offer to move some CL from my CashForward. Anyone know how long I have with Barclay to do a recon? I'd actually like to put it off a couple weeks if I can.
I'm going to app for a Delta card next month and then I swear I'm done for at least the rest of the year.
should be 30 days for recon
You probably have 30 days to recon, IIRC.
Barclay is tough on recon. No harm in trying since you took the HP anyway, but their analysts are very tough on lots of recent accounts/inquiries and it's usually hard or impossible to overturn that kind of denial (assuming that's why you were denied).
Like I said, no harm in trying, and the Apple card has probably lower underwriting standards than some of their other products. I just wouldn't expect too much. I don't see how waiting to recon makes any difference; they should be using the same HP for 30 days so the report they look at is going to be the same whether you call now or later.
UPDATE!
I got the letter in the mail, thinking I would get a reason for denial and FICO score. To my surprise, it was a request for verification!
Basically they want me to send them a copy of my SS card, license/ID, and a utility bill.
Is this something I can take care of by calling, or would I definitely need to send this stuff in? I don't want to mail copies of those things if I don't have to.
I would call them and ask if you can verify over the phone? They should be understanding about not wanting to put those documents through USPS.
Why were you advised against applying for the Apple Visa? I'm about to apply for it myself...wrote a post asking for advice on applications page no one has responded yet :/