Credit Card Center Advertiser Disclosure†
03-03-2014 04:32 PM
03-03-2014 04:39 PM
If I were in your shoes I would definitely call back tomorrow and speak with another credit analyst and I hope you end up getting an analyst that will reconsider and help. I wish you the best of luck.
03-03-2014 04:46 PM
03-03-2014 04:50 PM
03-03-2014 04:54 PM
Your next recon: "I think Barclays is a great partner to have in my credit portfolio and your Sallie Mae card hits the sweet spot in what I look for in a bank. I have a fantastic credit rating as you can see and yes I opened the BoA card last week thinking that they would be a good strategic partner in my portfoilio as well." Say nothing more unless asked more questions. He who speaks first after the pitch is made loses....
03-03-2014 05:12 PM
great scipt to follow ^. I'm not sure what it is, but they were very hard on my CLI request as well. Seemed like he was going to say yes and then came back with a similar 6 month message. This was rep #2 on the day. The first one said that the only option was a HP even though my app was just on Friday. Second didnt do a HP, but didnt give me the increase
03-03-2014 06:43 PM
Looking for advice on this lender. App'd last night for the Sallie Mae and denied
On recon this morning the Credit Analyst "almost" passed it thru citing the usual crap, " why are you looking for new credit"? I simply stated it looked to be a very useful 5% personal gas/groceries rewards card and i had no problem with their low monthly cap. She was about to make it a go then stopped herself in mid-sentence and said they would want to see 6 months history on my newest card first, a BOA approved just last week. My scores are 710 avg maybe better now, no BK, no derogs, AAoA crappy right now of course.
But my question is should i try to re-recon the recon borderline denial and hope for a better outcome or is Barclay's recon a one time mission and out.
Kinda wanted this card for the obvious but was surpringly shocked they shot it down on recon.
This surprises me a bit. Was your new tradeline already reporting on the report they pulled or did they see the HP? I thought Barclay was a surefire TU pull and BofA mostly an EX pull.
Either way, sorry for your denial.
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.
* 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.
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.