09-13-2012 11:04 AM
I gave up even pretending to be in the garden anymore, LOL. I decided that it's more important to try to get 0% balance transfers, so I can pay off my credit card debt once and for all, so I apped for a Barclaycard Rewards Mastercard. I've never had any relationship with Barclay before, and I requested a $4k balance transfer right with the application. I was denied online, and called for recon.
The analyst was very nice, but definitely grilled me about my usage, income, inquiries, etc. I explained to her that I just recently decided to re-evaluate my financial relationships, and that I have a few cards I want to get rid of, but that first I'm trying to obtain credit on accounts that have good rewards, and who I want to have a relationship with in the long term. I also said that I wanted good balance transfer offers, so that I can pay everything down faster. She asked me a few "trick" questions, probably just to see if I was going to be honest. Of course, I was.
After I answered all of her questions, she said that she was approving me for $5,000, so that they could handle my full $4k balance transfer request! I'm thrilled. This will mean that the vast majority of my balances are going to be on 0% offers for at least the next year, so I can finally make some headway in paying them off! Plus, I get 2% rewards on groceries and gas! That's about the best I'm going to do for groceries until I can get an Amex BCP.
Of course, given Barclay's reputation, not I really AM going to have to be in the garden. But that's okay. I shouldn't have any need to app for anything else for a while, now that I got this card. I'm definitely very happy with Barclay right now.
Oh, and they pulled TU, in case anyone is wondering.
09-13-2012 11:15 AM
Way to go
09-13-2012 11:45 AM
Congrats! I got the Barclay's Rewards MC earlier this year and Apple last Nov. So far Barclay's has been very good to me, knock wood.
09-13-2012 11:48 AM - edited 09-13-2012 11:50 AM
She asked me a few "trick" questions, probably just to see if I was going to be honest. Of course, I was.
Awesome recon! Trick questions?
09-13-2012 12:00 PM
Trick question like asking me why I closed an account from a few years ago, when it clearly shows on my report that it was closed by the credit grantor. Or asking me vague questions about certain inquiries on my report, when the companies and dates for the inquiries are right there. I imagine some people, who aren't as familiar with their credit report as I am now, might not realize that she had the answer right in front of her, and they might try to fib a bit.
I give the credit analyst a lot of credit (no pun intended). She was very thorough, but fair and pleasant.
09-13-2012 12:04 PM
09-13-2012 12:44 PM
Congratulations! I have no experience with Barclays but 0% for a year is undeniably good. Great job on the recon.
09-13-2012 01:09 PM
09-13-2012 03:48 PM
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.