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Senior Contributor
youngandcreditwrthy
Posts: 6,174
Registered: ‎08-16-2012
0

Travelocity Amex by Barclay's offer/cli denial

Ehh.. Barclay's is starting to annoy me.

After six statements, I did not get a cli :-(

So then today I check my my mail, and I have BT checks with a 3.99% apr til 07/2013 and a 4% fee. Lol

It's weird cause most of my cc debt is held with them (4600$ @ 0%).

It's worth noting they used a sp from 9-15-12, which said my FICO was 637; I know for a FACT it's more like 700.

Can I recon that cli denial?!?!

What I might do is use some cash from savings to pay it off, then write myself a check with the 3.99% checks hahaha!!!!
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
Established Contributor
KIPPIE12
Posts: 619
Registered: ‎05-09-2009
0

Re: Travelocity Amex by Barclay's offer/cli denial

I would recon through the backdoor, and speak to a credit analyst.  Barclays uses a Transrisk score, which is a FAKO.  I don't pay any attention to it, because my real FICO is  almost 100 points higher.  It did freak me out when i saw it for the first time, so i pulled from here to make sure.

Current Score: EQ: 781 TU: 798 EX: 802 (Fico) 8/13
Goal Scores: 760 Across all 3-Finally


Citi TY Premier 36k| Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| CapOne 15K|Chase Freedom VS 19.3k|Citi Dividend WMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Sams Discover 10k|Chase IHG Select Visa 26k|Macys 5k|Sams MasterCard 10k

Valued Contributor
CreditScholar
Posts: 2,300
Registered: ‎01-22-2012
0

Re: Travelocity Amex by Barclay's offer/cli denial


youngandcreditwrthy wrote:
Ehh.. Barclay's is starting to annoy me.

After six statements, I did not get a cli :-(

So then today I check my my mail, and I have BT checks with a 3.99% apr til 07/2013 and a 4% fee. Lol

It's weird cause most of my cc debt is held with them (4600$ @ 0%).

It's worth noting they used a sp from 9-15-12, which said my FICO was 637; I know for a FACT it's more like 700.

Can I recon that cli denial?!?!

What I might do is use some cash from savings to pay it off, then write myself a check with the 3.99% checks hahaha!!!!

Why would you expect a CLI after only 6 months?

 

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Senior Contributor
youngandcreditwrthy
Posts: 6,174
Registered: ‎08-16-2012
0

Re: Travelocity Amex by Barclay's offer/cli denial

I would expect it bc many users here have reported such an occurence, and while I'm def'ly not entitled... I feel like there may have been an error on my report at the last time of sp'ing from Barclay's. Furthermore, my true FICO, debt to income, and excellent history would permit a cli on this account even if it has had high util ...only account with high util, but I was a sucker for a 0% offer...so I'm American LOL :-P I've been making $300-$700 payments the past couple of months btw.

Yep, I'lll just call the Credit Analyst num in the morning... The CSR in good ole India actually gave me the backdoor number I already knew when I explained my situation to her.

Btw, I'm planning to pay at least a couple more thousand on this account; I just hate that it's messing up my util on this one account. My overall util is still only like 12%.

Thanks :-)
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

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