04-18-2013 06:28 AM
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.
04-18-2013 06:35 AM
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..
04-18-2013 07:09 AM
04-18-2013 08:27 AM
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
04-18-2013 08:50 AM