Established Contributor
Posts: 741
Registered: ‎10-04-2010

Re: Barclays Denial


BK in 2008, after making very stupid financial decisions.

Barclay's Apple Financing Card ($6400) --- Capital One Quicksilver ($10,000)---GEMB CareCredit ($5700) --- AUFCU ($10000)--- Walmart ($5000)

FICO Scores: TU 735 EQ 709 EX 740 (Feb 2013, all pulled by lender)

Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011

Re: Barclays Denial


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!

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Established Contributor
Posts: 1,002
Registered: ‎12-06-2011

Re: Barclays Denial



Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620
Take the FICO Fitness Challenge! | Diamond Spade Garden Club Member: App free since 7/2012
Mega Contributor
Posts: 15,436
Registered: ‎04-09-2011

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!


Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Posts: 93
Registered: ‎04-13-2011

Re: Barclays Denial


Starting Score: After BK d/c of 7/7/10: EQ Fico 629; TU Fico 579; EX Quizzle 610
Current Score 11/30/13: All Fico's EQ 668; TU 689; EX 666; and Barclay's Fico showing 650
Goal Score: 700 for all

12/2010: Cap One Platinum MC $3500; 8/2011: Cap One Quicksilver One MC ($1000); 4/2012: Barclays Rewards MC ($7500); 12/2013: Logix Platinum Rewards Visa ($15000); 12/2013: DCU Platinum Rewards Visa ($3000).

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New Visitor
Posts: 1
Registered: ‎05-02-2012

Re: Barclays Denial

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

Senior Contributor
Posts: 3,526
Registered: ‎01-19-2009

Re: Barclays Denial

Congrats on getting in with Barclays

New Contributor
Posts: 66
Registered: ‎08-02-2012

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.



Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012

Re: Barclays Denial





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| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
Posts: 1,004
Registered: ‎02-03-2009

Re: Barclays Denial

[ Edited ]

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


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 can't apply for everything youe see, LOL

CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (5), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (4), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, DC Premier MC, Macy's AMEX; A few store cards.

Current Scores: EQ (6/14): 800; TU MyFico (6/14): 814; Walmart TU Fico 08 (12/2014): 803; EX (6/14): 775

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