Credit Card Center Advertiser Disclosure

Reply
Regular Contributor
Posts: 144
Registered: ‎07-01-2014
0 Kudos

Re: Denied by Barclay

Well in general if you have an overall age of at least 1 year then that makes it much better, but in my case and several others that I know it was at least one account open for a year or more.  If your oldest account turns 1 in September then I'd give it til October or November before I re-app that way its def reflecting your age on your CR and if I were you I'd do what I done and if you app with Barclay again...go for the Rewards card and then upgrade later to the one you really want.  The rewards is for average credit as opposed to most of their others being for excellent credit and it makes it much easier to get.  Some ppl app for a 2nd card and when denied call recon and move funds over from their rewards card.  I don't have experience with that but i've read a lot who have.  Either way though...you've only got a few more months to hit that 1 year TL mark so WTG!!  You'll be there way before ya know itSmiley Happy




Valued Contributor
Posts: 2,713
Registered: ‎11-21-2013
0 Kudos

Re: Denied by Barclay

Good advice my friend, I am thinking about gardening till January, my second card will hit one year also. I am starting to think I was lucky to get the walmart discover, and I will focus on trying to get a CLI with that
Regular Contributor
Posts: 144
Registered: ‎07-01-2014
0 Kudos

Re: Denied by Barclay

Yeah the recent app spree I went on caused my AAoA to drop therefore my score dropped a little too:/  I'm in the garden until hopefully July 2015, but def until January anyway.  Go over to the garden club and get your seedling and join us in the garden!  You'll be amazed at the wealth of information and how quickly your score starts climbing back up that ladder while gardening.  But hey...I agree with you...getting the WM Discover card was excellent!  Even I wasn't able to do that...just got a crappy old store card so WTG to you!  Thats Great....Congrats!




Established Member
Posts: 16
Registered: ‎09-29-2014
0 Kudos

Re: Denied by Barclay

[ Edited ]

I as well was denied for the Barclays Rewards card after I was approved for the Arrival. I recieved the pre selected mailer with code 1 week after Arrival approval and tried my luck tonight "denied". I knew this would be a stretch but I am 3 for 5 on approvals with Quicksilver pending after EO call this morning (I think went well). The past weekend was my first true app spree and no SP/HPs for 6mo. February 2014 was my BK discharge, therefore wanted to kickstart my rebuilding into high gear. My utilization is roughly 22-24%. I am confused on how the Arrival was instantly approved and Rewards denied, maybe just pressed my luck. I did have 10 total inquiries and 7 of those this year mainly from my spree.

 

Gardening Smiley Wink
9/29/14 EX=692 EQ=686 TU=701 FICO 698
5/3 Platinum {$3500} | Barclays Arrival {$4000} | Discover it {$1500}
Best Buy {$2500} | Goodyear {$1500} | Amazon {$1800} | TJX {$1800}
Sew A Lot {$4500} | Lane Furniture {$3500} | GE Luxury {$4000}

 


9/29/14 EX=692 EQ=686 TU=701 FICO 698
5/3 Platinum {$3500} | Barclays Arrival {$4000} | Discover it {$1500}
Best Buy {$2500} | Goodyear {$1500} | Amazon {$1800} | TJX {$1800}
Sew A Lot {$4500} | Lane Furniture {$3500} | GE Luxury {$4000}
*In the Garden* Last Apps 9/28/14
Valued Contributor
Posts: 2,030
Registered: ‎09-22-2014
0 Kudos

Re: Denied by Barclay


UTvolfan wrote:

I as well was denied for the Barclays Rewards card after I was approved for the Arrival. I recieved the pre selected mailer with code 1 week after Arrival approval and tried my luck tonight "denied". I knew this would be a stretch but I am 3 for 5 on approvals with Quicksilver pending after EO call this morning (I think went well). The past weekend was my first true app spree and no SP/HPs for 6mo. February 2014 was my BK discharge, therefore wanted to kickstart my rebuilding inti high gear. My utilization is roughly 22-24%. I am confused on how the Arrival was instantly approved and Rewards denied, maybe just pressed my luck. I did have 10 total inquiries and 7 of those this year mainly from my spree.

 

 

 


I can answer that from my experience hahaha, it's because you have to have good payment history with barclay card, if you were to call barclay EO, there's a good chance that they'll make you choose either arrival or rewards. Smiley LOL

Established Member
Posts: 16
Registered: ‎09-29-2014
0 Kudos

Re: Denied by Barclay

Well if that's the case then Arrival card it will be, hopefully both.


9/29/14 EX=692 EQ=686 TU=701 FICO 698
5/3 Platinum {$3500} | Barclays Arrival {$4000} | Discover it {$1500}
Best Buy {$2500} | Goodyear {$1500} | Amazon {$1800} | TJX {$1800}
Sew A Lot {$4500} | Lane Furniture {$3500} | GE Luxury {$4000}
*In the Garden* Last Apps 9/28/14
Frequent Contributor
Posts: 307
Registered: ‎01-19-2008
0 Kudos

Re: Denied by Barclay

Does barclay approve with hight Util?

Got pre selected letter for the barclay rewards 

Valued Contributor
Posts: 2,030
Registered: ‎09-22-2014
0 Kudos

Re: Denied by Barclay


UTvolfan wrote:

Well if that's the case then Arrival card it will be, hopefully both.


Maybe you'll have better luck than I do, or simply better EO rep. Because when I called for second time for recon, she made me choose between one month old rewards card and arrival, I chose arrival, so she closed rewards account and approved arrival card.

Valued Contributor
Posts: 2,030
Registered: ‎09-22-2014
0 Kudos

Re: Denied by Barclay


sports1965 wrote:

Does barclay approve with hight Util?

Got pre selected letter for the barclay rewards 


when I applied for the rewards card, my utility was close to 50% and got approved without a pre-approved letter.

Highlighted
Established Member
Posts: 16
Registered: ‎09-29-2014
0 Kudos

Re: Denied by Barclay

[ Edited ]

I called the backdoor line this morning with Barclay and spoke with a very nice lady. My rewards application was declined for limited history with them, the good thing is no HP on report. She said since my Arrival card was just opened the computer system auto declined so I would not take the hit. She did ask if I still wanted to apply for the Rewards Card but she would I have to do a HP, since this would add another to my app spree (3xHP for Cap 1, 1xHP Discover, 1xHP Barclay) I said no. We spoke a bit more and came to a agreement that building history with them would be the best thing. I am happy with the no HP and the level of customer service from this morning's conversation.

 


9/29/14 EX=692 EQ=686 TU=701 FICO 698
5/3 Platinum {$3500} | Barclays Arrival {$4000} | Discover it {$1500}
Best Buy {$2500} | Goodyear {$1500} | Amazon {$1800} | TJX {$1800}
Sew A Lot {$4500} | Lane Furniture {$3500} | GE Luxury {$4000}
*In the Garden* Last Apps 9/28/14

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.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.