04-09-2012 04:53 PM
I agree that they usually are quite good with recons, but in this situation the BK might be a dealbreaker. You can try calling back, maybe you'll have success, but some creditors won't approve when there are BKs reporting.
I was automatically approved for the Apple card three weeks ago with an almost 4 year old BK reporting. I called for a CLI the next day and got a CL of $4000. She did ask about the BK and I told her why I filed.
Are there any negatives on your report post BK. I had a four year old Cap1 CC reporting with no lates. I also had a one year old auto loan and a six month old Carecredit account. All positive tradelines. It might also have helped that I had no inquiries on TU when I applied.
Barclay has historically been BK friendly. I'm suspecting that they might have declined you for other reasons.
04-09-2012 05:52 PM
04-09-2012 05:55 PM
I just read about Barclays recon and got even madder! I have had a card with them for almost 2 years now. About 6 years ago I had a foreclosure but have a perfect record since then. I have great income with a 1% utilization rate with oldest account being 8 years old with 5 open revolving lines ( all low). 3 paid in full auto loans. My trans-Union score is 715. Originally opened with a $500 credit line and after 6 months bumped to $1500. I was very happy then. However, for well over a year now, I can't get an increase. Granted I carried a balance and made the mistake I guess of only paying about 2x minimum. I did make large payments the last few months though including running my account up to limit and then paying in full. I have tried 3 times to get an increase with no luck. Was to,d today it was because I didn't pay enough above the minimum for a number of months. I really thought they would grow with me and did for the first 6 months...Now nothing. In a little over a year foreclosures will drop and I should be upper 700s. I'll then go tell them to jump in a lake....
Why so mean?!?!?!?!?!