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New Member
Posts: 7
Registered: ‎05-31-2012
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Barclay Recon Fail

[ Edited ]

my credit history

6/11 Freedom

3/12 Delta Gold

3/12 Citi Dividends

4/12 Chase Southwest  (closed 2/13)

4/12 Amex Blue Cash

6/12 Citi Forward

7/12 Chase Amazon (closed 2/13)

12/12 USBANK Cash+

12/12 Discover IT

12/12 Barclay Upromise

2/13 Chase Ink

2/13 applied for priceline visa

 

 

I tried to apply for the priceline visa which gets 2% back (i want it so bad..). I called recon and they claimed I tried to apply for it already 4 months ago. He said he could do another hard pull, does that mean that there was never a hard pull in the first place? just auto denied because it detected from 4 months that I had already applied?

 

Anyhow, I went on a mini app spree. This card, Cap1 Journey - instantly denied, and I was gonna apply for the BofA Better Balance but applied for Travel Rewards since I would like a card with no TFT (which was gonna be my cap1.

 

Should I call back and get the hard pull? I applied for this one first so now it would show these new INQ for today.

 

Or just wait it out? I really would like this card, I would use it for absolutely everything since its 2% back. I am a bit paranoid they might take a way this 2%, some offers do not have it anymore (2% with 50 back and 1% with 100 back after spending 1k)

 

CK 706
2011|Freedom 4500
2012|Delta Gold 5800,Citi Dividends 4000, Amex Blue Cash 15000, Citi Forward 2000, USBANK Cash+ 11800, Discover IT 1000,Barclay Upromise 2500
2013|Chase Ink 3500
Valued Contributor
Posts: 1,972
Registered: ‎01-24-2012
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Re: Barclay Recon Fail

He could have been talking about the Upromise card. Barclays will sometimes deny you without an inquiry and say you have enough credit with them. You can still have them override the system and look at it manually. I don't know if you should though. I am actually surprised they gave you the Upromise with so many new accounts last year. They may reference new accounts if you get a manual review.

New Member
Posts: 7
Registered: ‎05-31-2012
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Re: Barclay Recon Fail

I asked if he could transfer credit limit from the upromise. He said he couldn't right now, but if I show some good payments on the upromise to show good payment history, that it is possible in the future. Not sure if he even had my credit report at all, since he did claim I could try you for a recon but that would require a hard pull (I declined thinking that there was already a hard pull).

 

When do you think I should try to apply again? 6 months from now, November?

CK 706
2011|Freedom 4500
2012|Delta Gold 5800,Citi Dividends 4000, Amex Blue Cash 15000, Citi Forward 2000, USBANK Cash+ 11800, Discover IT 1000,Barclay Upromise 2500
2013|Chase Ink 3500
Established Contributor
Posts: 527
Registered: ‎10-25-2012
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Re: Barclay Recon Fail

I'd say December, let the Upromise card hit a year in age

NFCU CashRewards $13.5k | AMEX BCE $15k | Lowes $17k | Sportsmanss guide $7.6k | Chase Freedom $1k | Discover IT $4.4k |
Walmart $8k | Gordman's $2950
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Barclay Recon Fail

Welcome to the forums!!!

IMO I would not take the HP and leave it alone. You have too many new accounts. I would suggest visiting the gardening thread here. It will help you.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Posts: 1,129
Registered: ‎01-20-2011
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Re: Barclay Recon Fail


LS2982 wrote:
Welcome to the forums!!!

IMO I would not take the HP and leave it alone. You have too many new accounts. I would suggest visiting the gardening thread here. It will help you.


+1

 

We have some awesome spring flowers in the garden.

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Established Contributor
Posts: 527
Registered: ‎10-25-2012
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Re: Barclay Recon Fail


vish1 wrote:

LS2982 wrote:
Welcome to the forums!!!

IMO I would not take the HP and leave it alone. You have too many new accounts. I would suggest visiting the gardening thread here. It will help you.


+1

 

We have some awesome spring flowers in the garden.


Come to the garden...we have cocktails!

NFCU CashRewards $13.5k | AMEX BCE $15k | Lowes $17k | Sportsmanss guide $7.6k | Chase Freedom $1k | Discover IT $4.4k |
Walmart $8k | Gordman's $2950
Senior Contributor
Posts: 6,260
Registered: ‎08-16-2012
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Re: Barclay Recon Fail

Bah. The garden -.- LOL
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Moderator
Posts: 27,207
Registered: ‎09-13-2012
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Re: Barclay Recon Fail

New Member
Posts: 7
Registered: ‎05-31-2012
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Re: Barclay Recon Fail

I got accepted for the Travel Rewards bofa.

But I kinda wish I got the Better Balance, theres always product change.

 

So you think Bofa would accept me for a Better Balance in December?

So I'll be in the garden till December.

Priceline Visa

BofA Better Balance

 

I think I will be set, garden for life after that :smileyvery-happy:

Unless someone wants to show a card that gets some nice cashback elsewhere.

I'm on slickdeals a lot so I basically choose the cards that get me the most cashback, whatever I have to buy or want to buy

CK 706
2011|Freedom 4500
2012|Delta Gold 5800,Citi Dividends 4000, Amex Blue Cash 15000, Citi Forward 2000, USBANK Cash+ 11800, Discover IT 1000,Barclay Upromise 2500
2013|Chase Ink 3500
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