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Barclays Denial

Established Contributor

Re: Barclays Denial

Congrats!


BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($29,500) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($28,000)

Experian 746 Transunion 806-- July 2017
Message 21 of 32
Moderator Emeritus

Re: Barclays Denial

Congrats!!!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 22 of 32
Established Contributor

Re: Barclays Denial

 

Congrats!

Message 23 of 32
Mega Contributor

Re: Barclays Denial


thekione wrote:

I have a feeling that this will be a very good beginning to a relationship with Barclays!  I just gave them a call, it took about 5 minutes, and I was approved!  He asked about whether or not I carry balances, verified employment, and asked about school.  I was honest about everything, and he gave me a $1000 limit, my highest yet!


CONGRATS!!!




EQ FICO 548 3/3/16
Message 24 of 32
Contributor

Re: Barclays Denial

Congrats!!

Opened 12/2010 Quicksilver MC now $10000; Opened 04/2012: Barclays Rewards MC now $15000; Opened 12/2013: Logix Platinum Rewards MC now $15000; Opened 12/2013: DCU Platinum Visa now $3000; Opened 03/2015: Cap One Venture Rewards Visa now $16000; Opened 03/2015: Chase Freedom Visa now $2000; Opened 03/2015: Safe CU Platinum Rewards Visa now $1500.
Message 25 of 32
New Visitor

Re: Barclays Denial

Wondering how old you are....Im 26 and seem to be getting denied tons of things

Message 26 of 32
Senior Contributor

Re: Barclays Denial

Congrats on getting in with Barclays

Message 27 of 32
New Contributor

Re: Barclays Denial

Just to add a bit in case it might help anyone in the future, I applied to Barclays on 8/10 and was denied.

 

I received the denial letter today and it noted three reasons:

 

1) Low available credit on existing credit card(s) -  I had only USAA Visa w/ $3K limit as of that day

2) Insufficient credit history - My auto loan was opened 10/11 and USAA Visa opened 2/12. I closed the rebuilder cards I had before that.

3) High number of recent inquiries - Yes, they were part of my app spree between 8/7 and 8/12

 

TU FICO was 688 on 8/10 as reported in my denial letter.

 

BK in 2005, Perfect record since, though a very thin file.

 

NTX

Message 28 of 32
Senior Contributor

Re: Barclays Denial

CONGRATS!

 

 

 

I LOVE Barclay's; got a $6.5k Travelocity Amex - 0% for 15 months for BTs on recon!

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 29 of 32
Valued Contributor

Re: Barclays Denial

They have a 20k bonus points ($200 statement credit) after your first purchase if you use the correct link to apply:

 

http://www.nflextrapoints.com/mvt25/?campaignId=1571&cellNumber=504&vanityURL=superbowl

 

Plus 15 mos 0% balance transfer (4% fee, ouch), and 1% cash back on all purchases (good for NFL Gear and statement credits). It is a Visa Signature (or World Mastercard) card (if you qualify). Not a bad bonus...if you apllied and got the 10k ($100) bonus, you should call back and give them this link, and try to get the 20k.

 

I don't have the card, but thought about it, just for the cash back...you can't apply for everything youe see, LOL


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (4), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 801; TU MyFico: 799; EX (My Fico): 797
Message 30 of 32