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CL: $2390.00
I was expecting a decline.
Tonight, I also applied and was approved for a second Capital One card
CL: $500.00
And, against my better judgement, I applied for a Dillard's card
Result: Dreaded 7-10 day message.
I may be blacklisted by Dillard's b/c I included them in my BK, even though it was an HSBC product at the time.
Memo: supposedly if you open a Barclay card and then open other lines, they will close your line... lots of chat about it lately.... but congrats on your approval, I don't think I have heard more than like 1 instant approval with them, it's always through backdoor that people get it open... also many have said they have called backdoor and got limit increased!
Yeah, I know about barclays adverse action, but I really just applied for the hell of it.
I *really* didn't think I'd be approved, considering my previous attempt.
I applied for the Capital One first, b/c it was a sure thing
@pazuzu wrote:Yeah, I know about barclays adverse action, but I really just applied for the hell of it.
I *really* didn't think I'd be approved.
LOL, sounds like me... I believe I got whipped with a belt earlier for applying!
@pazuzu wrote:Yeah, I know about barclays adverse action, but I really just applied for the hell of it.
I *really* didn't think I'd be approved, considering my previous attempt.
I applied for the Capital One first, b/c it was a sure thing
Just remember one thing, closed by issuer on CR looks neutral to FICO algorightms but sounds negative to anyone doing a manual review.
Now, I REALLY have nothing better to do on a Friday night... decided to access my old Barclays account online which was closed back in Oct 2010. 1) Yes, I can still access the account 2) Yes, it's still closed 3) Yes, it says my next Due Date is 03/21/2011 and I can view my most recent statement 02/23/2011 showing a whopping $0 balance.
It was a good Comedy Central moment, but I thought closed means closed; shut-down; locked out; you can't access it anymore?!? Just checked my credit report and Low-And-Behold, Date of Last Activity and Report: 02/2011. I could've saved myself all that digging by using the Search feature in this forum or reading "Closing Credit Cards". hee hee hee
I ordered a 17-inch MacBook Pro @ $2499.00 + 162.44 tax = $2661.44 total
So, I maXXed out the barclaycard and had to use a 2nd CC to make the purchase.
@pazuzu wrote:@I ordered a 17-inch MacBook Pro @ $2499.00 + 162.44 tax = $2661.44 total
So, I maXXed out the barclaycard and had to use a 2nd CC to make the purchase.
You should have called and request a higher limit. IMO, that's really bad for your score.
@JayRizzo wrote:Now, I REALLY have nothing better to do on a Friday night... decided to access my old Barclays account online which was closed back in Oct 2010. 1) Yes, I can still access the account 2) Yes, it's still closed 3) Yes, it says my next Due Date is 03/21/2011 and I can view my most recent statement 02/23/2011 showing a whopping $0 balance.
It was a good Comedy Central moment, but I thought closed means closed; shut-down; locked out; you can't access it anymore?!? Just checked my credit report and Low-And-Behold, Date of Last Activity and Report: 02/2011. I could've saved myself all that digging by using the Search feature in this forum or reading "Closing Credit Cards". hee hee hee
So which barclaycard did you have? And why was it closed?
I had the Priceline "Shatner" Visa, but some of the other members actually had the Apple Finance card. Mine was 2 months old when I purchased my end of lease vehicle, so there was only one hard inquiry made on my CR, which had nothing to do with revolving credit, but Barclays Credit Portfolio Unit soft inquired my TU report 4 times that month, then I routinely checked the account on a Saturday morning and it said "This account is closed". They actually said because there's a new inquiry that appeared on my CR after they opened my account. I was the first member to expose this Portfolio Credit Unit department to the forum and spread the word around town.
I did not have a balance, they actually owed me money because I charged about $80 but paid about $100 (don't remember the exact amount anymore) -- I often overpay my accounts just to say, "You Owe Me!". But, it actually took about 3 months for them to refund my money.
During that time, Barclays Executive Office and Credit Portfolio department received a butt-kicking from the Delaware Banking Commisssioner's top Investigator, F.D.I.C., and myself. Now, the Credit Analysts are warning people who call-in NOT to apply for any credit for about 6 months after approvals.