Credit Cards Center Credit cards from our partners
New Contributor
Posts: 56
Registered: ‎11-16-2008


I apped last night for the Barclays Virgin America Card. I love the rewards, but was instantly denied, because of high UTL. I am at about 14%. I called today to speak to an analyst and she asked a few questions, review my report and came back on the the line an approved me. I have never reconed before but after reading these threads I realized I got an INQ and I have nothing to loose. So I followed everyone else's steps and it worked!

They just wanted to know why my balances went up 6% over the past 3 months and I told them about the remodeling we did in our home and also said if you notice the high balance that is reported, it was bought down over 50% and she said that is a good reason:-)

Thanks to everyone. I would have never reconed if I did not read all of your posts Smiley Happy

Senior Contributor
Posts: 3,751
Registered: ‎01-10-2008

Re: Barclays

Very nicely handled, kudos to you, CONGRATS!!

EQ (DCU, Citi, PenFed)
EX (Amex, Chase, PSECU)
TU (Barclays, Discover, Walmart)

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.