Barclay 2nd Card and Moving CL Question!?

Creditaddict · ‎06-04-2014

So with my newly approved $1300 Rewards Card could I apply for a Sallie Mae Card and ask that they move $800 from the Rewards Card to open the Sallie Mae if they declined it?

What is the minimum Sallie Mae Limit?

bigblue7722 · ‎06-04-2014

didnt someone say they just got approve for sallie mae at 350?

AMEX PRG NPSL,Lowes $17000,Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Discover it $8000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Capital One Quicksliver $5500, Amazon Store card$5000,Barclay
Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500, AMEX BCE $1000

Last app July 22nd 2015- No apps for two years.

Creditaddict · ‎06-04-2014

Well it wasn't completely denied

I got the "Further Processing" message

I'll call in the AM

TRC_WA · ‎06-04-2014

I've talked to Barclay about 4 times in the last week and was told that a PC isn't possible... I must reapply for any 2nd card.

Soooooo.... Good luck with that one. The reps told me they can transfer limits between accounts (and then close one of them) but didn't say anything about transferring limits to open an account you've been declined for.

I'd call that wishful thinking.

FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24

maiden_girl · ‎06-04-2014

@TRC_WA wrote:
I've talked to Barclay about 4 times in the last week and was told that a PC isn't possible... I must reapply for any 2nd card.

Soooooo.... Good luck with that one. The reps told me they can transfer limits between accounts (and then close one of them) but didn't say anything about transferring limits to open an account you've been declined for.

I'd call that wishful thinking.

The OP hasn't been declined yet. They are anticipating an approval due to needing further review from Barclay.

As of 2017, rebuilding...

SunriseEarth · ‎06-04-2014

@TRC_WA wrote:
I've talked to Barclay about 4 times in the last week and was told that a PC isn't possible... I must reapply for any 2nd card.

Soooooo.... Good luck with that one. The reps told me they can transfer limits between accounts (and then close one of them) but didn't say anything about transferring limits to open an account you've been declined for.

I'd call that wishful thinking.

I've seen quite a few Barclays PC posts, so it is certainly possible, but perhaps not an option for you yet.

As for the second point, there was a recent post in approvals where someone's SM was approved on the condition that credit be allocated from another Barclays card.

TRC_WA · ‎06-04-2014

My bad.... Looks to me like the OP was asking if they could take credit from their new Rewards card and apply some of it to opening a SM card if they were denied in their pending app.... That's how I read it anyway.

As for Barclay PC I don't know what to believe. I talked to 4 reps... 3 said a PC wasn't possible and the 4th said it may be at a later time. These calls were all made in the same day and I even mentioned what people have said here about PCing their Rewards to an Arrival.

I'm content with waiting for now... My card will be a year old in Sept and I don't care about adding inquiries for credit I don't need.

FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24

maiden_girl · ‎06-04-2014

I have heard that Barclay doesn't PC certain cards for whatever reasons. As for CL moving...no idea if they do this.

As of 2017, rebuilding...

juggalo9er · ‎06-04-2014

@maiden_girl wrote:
I have heard that Barclay doesn't PC certain cards for whatever reasons. As for CL moving...no idea if they do this.

they will move cl's but it does require an app and a denial so to speak. after i apped for my upromise they were more than happy to move the cl

maiden_girl · ‎06-04-2014

@juggalo9er wrote:
@maiden_girl wrote:
I have heard that Barclay doesn't PC certain cards for whatever reasons. As for CL moving...no idea if they do this.
they will move cl's but it does require an app and a denial so to speak. after i apped for my upromise they were more than happy to move the cl

So you had to be denied the card in order to have your CL moved to it for approval??? If so, that's crazy! Did you reach a internal limit with them the reason this happened?

As of 2017, rebuilding...