Credit Card Center Advertiser Disclosure

New Contributor
Posts: 51
Registered: ‎03-28-2013
0 Kudos

Barclay's recon second HP?

I applied online for a Barclay's Apple financing visa card & was denied. I got the denial letter in the mail & decided to give them a call for a recon. It was a quick call & after giving them my employment info & a reason for a 30 day late almost two years ago, I was approved for $1200.


What I didn't expect was a second HP a week after the first one. Is this normal?


I'm done with CCs now. Working on a first mortage. I'm hoping this won't hurt me too bad. All 3 of my scores are in the low to mid 700's (lender pull). I think 720 was my middle score.

VS- $500, BarclayCard - $1200, Lowes - $5000, Old Navy - $1400, CapOne - $200, Chase Freedom - $1200
Started My credit rebuilding 11/2012 (stating scores in the low/ mid-500s)
Current scores - EQ 690. TU 724, EQ 719
Closed on my first home 7/25/2013!!! THANK YOU SO MUCH MyFico!
Gardening until 3/1/2014
Valued Contributor
Posts: 1,086
Registered: ‎02-06-2013
0 Kudos

Re: Barclay's recon second HP?

       I think when you are approved for a new credit card they almost always hard pull you. At least in my experience this is true. What varies is the first hard pull in your case. With some other credit card companies that first credit pull would have been a soft inquiry however when companies actually approve you there is almost always a hard pull. Congrats. Barclays is know as being responsive to recons..

Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
0 Kudos

Re: Barclay's recon second HP?

Its hit and miss with barclays. Usually its only 1 HP if you recon immediately after denial but if you wait to recon they may want to HP again for any changes in file.

EQ FICO 548 3/3/16
New Member
Posts: 21
Registered: ‎04-17-2013
0 Kudos

Re: Barclay's recon second HP?

I had a app that was as always denied from Barlays usairways last week

When I call them 10 min after the denial they pull the credit again without me saying yes or even knowing about it

At least Citi always ask me before if its goanna be a HP so certain lenders or should I say certain Csr would do that

Valued Contributor
Posts: 1,468
Registered: ‎08-07-2007
0 Kudos

Re: Barclay's recon second HP?

They probably initiated a 2nd HP because of the time span between your app and the arrival of the denial letter (maybe 7-10 days?). They wanted to make sure that new baddies hadn't popped up on your CR before they approved you for the card. Just my opinion though!! Congrats on the approval.
Established Contributor
Posts: 945
Registered: ‎07-24-2012
0 Kudos

Re: Barclay's recon second HP?

I got a second HP when I was trying to recon the US Air approved card for a larger limit. 

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 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.