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Contributor
cam006
Posts: 133
Registered: ‎04-07-2008
0

Recon Sucess with Barclay"s

I never had the nerve to recon a declined app in the past, so it's a big deal for me.  I applied for the BJ's Visa card since I do a lot of shopping there and can increase my BJ's member reward points for things I'd buy anyway.  I got the 7 to 10 day message and got the denial in the mail over the weekend.  I figured it couldn't hurt to recon and called the back door number to recon since my credit file may not fit the computer model, but it may be more acceptable to a live person.  I was approved for $750 CL - not much but it beats a zero and I didn't want to waste the INQ.  BTW- thanks for all those who responded to my previous post I fired First Premier.  Definitely doing the happy dance.

7/11/08: EQ: 635, TU: 658, EX: 607
10/10: TU 634, EQ 626, Ex 626
9/14/2012: TU 622, EQ 660
10/16/2012: TU 731, EQ 706 - finally on my way!
Frequent Contributor
jdirilo
Posts: 331
Registered: ‎08-27-2012
0

Re: Recon Sucess with Barclay"s

Congrats! Did they state the reason for denial in the first place? They denied my recon last week :smileysad:

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Recon Sucess with Barclay"s


cam006 wrote:

I never had the nerve to recon a declined app in the past, so it's a big deal for me.  I applied for the BJ's Visa card since I do a lot of shopping there and can increase my BJ's member reward points for things I'd buy anyway.  I got the 7 to 10 day message and got the denial in the mail over the weekend.  I figured it couldn't hurt to recon and called the back door number to recon since my credit file may not fit the computer model, but it may be more acceptable to a live person.  I was approved for $750 CL - not much but it beats a zero and I didn't want to waste the INQ.  BTW- thanks for all those who responded to my previous post I fired First Premier.  Definitely doing the happy dance.


CONGRATS!!!

 

I think I would call back in and see if they can raise that CL a little bit.

 




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
Senior Contributor
youngandcreditwrthy
Posts: 6,211
Registered: ‎08-16-2012
0

Re: Recon Sucess with Barclay"s

I love Barclay's.... I app'ed for the Travelcity Amex.. Got denied.. Called for a recon, got approved for $1,500.. Then the ultra nice rep (I still remember her name!) said if I needed to do bal xfers, she'd call me back in a few days to allow me to get my accounts and amounts together. So.. She called me back actually earlier than the time we agreed upon and increased my limit to $6,500, which was wayyy more than I asked for ($5,000). So hit or miss...who knows, but that Barclay's C Analyst was one of the nicest Ive ever spoke to...unlike Citi or BoA, not bc I got approved, but because she was just nice 
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 $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
youngandcreditwrthy
Posts: 6,211
Registered: ‎08-16-2012
0

Re: Recon Sucess with Barclay"s

Btw, they base limits on existing limits... My highest limit at approval was $8,500.
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 $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Recon Sucess with Barclay"s


youngandcreditwrthy wrote:
I love Barclay's.... I app'ed for the Travelcity Amex.. Got denied.. Called for a recon, got approved for $1,500.. Then the ultra nice rep (I still remember her name!) said if I needed to do bal xfers, she'd call me back in a few days to allow me to get my accounts and amounts together. So.. She called me back actually earlier than the time we agreed upon and increased my limit to $6,500, which was wayyy more than I asked for ($5,000). So hit or miss...who knows, but that Barclay's C Analyst was one of the nicest Ive ever spoke to...unlike Citi or BoA, not bc I got approved, but because she was just nice 

Thats awesome!!!

 

I tried to get a small increase on my new World MC rewards Barclaycard but they said no due to other accounts reporting balances and not enough payment history on them.

 




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
Senior Contributor
youngandcreditwrthy
Posts: 6,211
Registered: ‎08-16-2012
0

Re: Recon Sucess with Barclay"s

Im like a few days away from my sixth statement with Barclay's....oh the anxiety!!!
I want to get the Priceline Visa Siggy maybe in several months assuming all stays well with Barclay's!
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 $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: Recon Sucess with Barclay"s

Congrats on a successful recon! I'm sure that it feels good to know that an inq wasn't wasted. Enjoy your new card!


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Recon Sucess with Barclay"s

Congrats on recon

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Recon Sucess with Barclay"s

Congrats on your recon!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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