BarclayCard Financing Visa-----Recon, and then APPROVED!

[Anonymous]

Applied about 3 weeks ago for the Barclaycard Financing Visa for Apple, and was denied immediately online. Called for a recon on the following Monday, and was denied again. From there, I decided not to push any harder due to all of the recent inq's on my file and garden for a while. So, today, I got anxious and decided to call Barclays again and ask for a reconsideration again. Talked to the guy for about 4 minutes total, explained what all of my inquiries were for, and BAM! Approved with a starting CL of $1500! This may seem small to most people, but this is my first prime-ish card, and my highest CL to date.

So Excited!!!

[CS800]

Congrats !!

Persistence pays. They most likely pulled TU.

Do you know your score?

[Anonymous]

They did pull TU. From everything I've seen recently, ~675, up from 619 in Feb when I turned 21 and was finally able to start getting credit.

[Anonymous]

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@Anonymous wrote:

Applied about 3 weeks ago for the Barclaycard Financing Visa for Apple, and was denied immediately online. Called for a recon on the following Monday, and was denied again. From there, I decided not to push any harder due to all of the recent inq's on my file and garden for a while. So, today, I got anxious and decided to call Barclays again and ask for a reconsideration again. Talked to the guy for about 4 minutes total, explained what all of my inquiries were for, and BAM! Approved with a starting CL of $1500! This may seem small to most people, but this is my first prime-ish card, and my highest CL to date.

So Excited!!!

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Congratulations!!! If you don't mind me asking what did you tell them the inquires were for?

[Smug]

I had 18 inq when I apped got 5k

[Anonymous]

Wow that's a lot...I currently have 2 inquiries on my TU report, one is for cell phone service started in feb and one in the past week for furniture financied at 0% interest for 12 months 

Do you think I would be approved for a Barclays card with my current score and having a satisfied judgement that will fall off 08/12?

[Anonymous]

I would say probably yes, I'm pretty young so my personal income isnt that large though i'm also a full time student, and my TU score was 675-ish and a lot of inq's (15+)

[FloridaState12]

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@Anonymous wrote:

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@Anonymous wrote:

Applied about 3 weeks ago for the Barclaycard Financing Visa for Apple, and was denied immediately online. Called for a recon on the following Monday, and was denied again. From there, I decided not to push any harder due to all of the recent inq's on my file and garden for a while. So, today, I got anxious and decided to call Barclays again and ask for a reconsideration again. Talked to the guy for about 4 minutes total, explained what all of my inquiries were for, and BAM! Approved with a starting CL of $1500! This may seem small to most people, but this is my first prime-ish card, and my highest CL to date.

So Excited!!!

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Congratulations!!! If you don't mind me asking what did you tell them the inquires were for?

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I'm intereested in this too...any advice to future recon-ers? 

[Anonymous]

Well, I told them that I was in the market for a new macbook, which may be true, I haven't decided yet. I also explained why I had all of the inquiries on my file, once they understood, then they were ok with extending me a line of credit. I think that banks don't like seeing tons of inquiries because they see it as someone trying to get quick access to money for an emergency situation.

[Smug]

They will match your largest TL