Credit Cards

[getahead]

I got declined for a Barclay's reward cc & got declined =(, to high balances & low credit limits.  I called to recon & told them I just paid 1/2 down this week & it didn't show up on the report they pulled.  The analyst said he could'nt do anything at this time & that I would have to apply in 3 months, Boo!! Should I recon again? what are my chances??

[john398]

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getahead wrote:

I got declined for a Barclay's reward cc & got declined =(, to high balances & low credit limits.  I called to recon & told them I just paid 1/2 down this week & it didn't show up on the report they pulled.  The analyst said he could'nt do anything at this time & that I would have to apply in 3 months, Boo!! Should I recon again? what are my chances??

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Thats odd,  I just told them my cc are just usually high during the holiday periods...but mine was for the apple card

[getahead]

I know right, I told him the same thing that I recently made purchases for xmas gifts but just paid off 1/2 off, do you think I should recon again?

[AllPro]

Whats your scores look like ? Util and limits ? Im also going to be apping  soon .

[john398]

I would try again

[getahead]

Hi Allpro, they pulled TU & my score was 641, my util with the recent payments it about 30%.

[getahead]

any words of wisdom? should I try a different approach?

[casmith1980]

I would call again.  There's been many instances where people have needed to call two or three times to over turn a decision.

Barclays seems to be very reasonable, just give them a call and keep us posted    (make use of that inquiry!!!!)

[clocktick]

Your score is 640 AFTER you paid them down?  What else on your report is keeping your score down?

[getahead]

Hi Clocktick,

my score of 640 is before I paid them down, just paid it on Monday of this week, so I'm going to do another credit pull next month, hopefully this will boost it up.