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Barclays recon worked for me too!!!!

Established Contributor

Barclays recon worked for me too!!!!

I was denied yesterday online so I spoke to a rep this morning and after a few simple questions, approved.

 

She asked what I planned to purchase (iPad2) and then asked which price model.  I stated the $529 one (I think that's the price) so my credit limit is $750...

 

should I call back and ask for a higher limit or just be happy with what I have?  My TU is 641 with 1 baddie (First Premier from 5 years ago).  Any suggestions?

 

 

Oh - and if I do call back for a higher CL, what should I say the reason is?  I guess I don't want to push my luck since I was finally APPROVED!!!!  Smiley Very Happy

Filed BK 12/5/14
341 meeting 1/9/15
Anticipated discharge 3/10/15

Goal: 700 by 3/2017
Message 1 of 20
19 REPLIES
Established Contributor

Re: Barclays recon worked for me too!!!!


casmith1980 wrote:

I was denied yesterday online so I spoke to a rep this morning and after a few simple questions, approved.

 

She asked what I planned to purchase (iPad2) and then asked which price model.  I stated the $529 one (I think that's the price) so my credit limit is $750...

 

should I call back and ask for a higher limit or just be happy with what I have?  My TU is 641 with 1 baddie (First Premier from 5 years ago).  Any suggestions?

 

 

Oh - and if I do call back for a higher CL, what should I say the reason is?  I guess I don't want to push my luck since I was finally APPROVED!!!!  Smiley Very Happy


Hmm...never had a recon of the recon question about Barclay...if you do call back, I might now get too ambitious...maybe ask for $1000. Anyone else have any thoughts?

I'm Spartacus!

hr>Starting Score: EQ 546, EX 547, TU 580
Current Scores (lender): EQ 725 , EX FICO 720, TU 737 FICO scores>
Goal Score: 750
Take the FICO Fitness Challenge
Message 2 of 20
Valued Member

Re: Barclays recon worked for me too!!!!

I'd get the actual price on the iPad and see if you need a higher CL to buy it.  If you do, then I'd call back and give it another try saying that you were incorrect on the price and see what (if anything) they will do to increase your CL.


Starting Score: 650's
Current Score: 729
Goal Score: 751


Message 3 of 20
Established Contributor

Re: Barclays recon worked for me too!!!!


GCSCORE wrote:

I'd get the actual price on the iPad and see if you need a higher CL to buy it.  If you do, then I'd call back and give it another try saying that you were incorrect on the price and see what (if anything) they will do to increase your CL.



Good idea.  I might not need the increase to begin with Smiley Happy 

Filed BK 12/5/14
341 meeting 1/9/15
Anticipated discharge 3/10/15

Goal: 700 by 3/2017
Message 4 of 20
Established Contributor

Re: Barclays recon worked for me too!!!!


casmith1980 wrote:

GCSCORE wrote:

I'd get the actual price on the iPad and see if you need a higher CL to buy it.  If you do, then I'd call back and give it another try saying that you were incorrect on the price and see what (if anything) they will do to increase your CL.



Good idea.  I might not need the increase to begin with Smiley Happy 


Yes...and from what I've read here, if you garden after that card...use it and pay it off...after 6 months they are good with the CLIs Smiley Happy

I'm Spartacus!

hr>Starting Score: EQ 546, EX 547, TU 580
Current Scores (lender): EQ 725 , EX FICO 720, TU 737 FICO scores>
Goal Score: 750
Take the FICO Fitness Challenge
Message 5 of 20
Established Contributor

Re: Barclays recon worked for me too!!!!

one more kind of stupid question...

 

in order to get the 6 month 0% financing, do I have to buy it from apple.com or can I purchase at let's say, Best Buy?

 

(sorry if this is a silly question, I just want to make sure before I make the purchase)

Filed BK 12/5/14
341 meeting 1/9/15
Anticipated discharge 3/10/15

Goal: 700 by 3/2017
Message 6 of 20
Established Contributor

Re: Barclays recon worked for me too!!!!

Apple only
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Message 7 of 20
Established Contributor

Re: Barclays recon worked for me too!!!!

Thanks Smug!!

 

 

Filed BK 12/5/14
341 meeting 1/9/15
Anticipated discharge 3/10/15

Goal: 700 by 3/2017
Message 8 of 20
Super Contributor

Re: Barclays recon worked for me too!!!!

I need two macbook pro, wonder if they would give me a $4k CL Smiley Happy




Message 9 of 20
Established Contributor

Re: Barclays recon worked for me too!!!!

I was considering telling them I'm in the market for a new iPhone and iPad...but I dont' want to push my luck.  My iPhone 4 works great so there isn't a need for the 4s.

 

I have an iMac which I love, but I like the convenience of an iPad.

 

Decisions, decisions.

Filed BK 12/5/14
341 meeting 1/9/15
Anticipated discharge 3/10/15

Goal: 700 by 3/2017
Message 10 of 20