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.
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