Reply
Established Member
Chickenpotpie
Posts: 31
Registered: ‎06-13-2010
0

UGH... tried for a barclay bank card

[ Edited ]

Went for the travelocity amex   I got the dreaded 10 day decision.  I seriously can't catch a break! :smileymad:

 

They use  TU right?  Its my highest score at 710.  No baddies in the last 6 years so I think I should be good unless they don't like the BK (discharged 2003 should drop off in a few years though)

 

Should I backdoor them in a day or 2?

 

Edit:

 

I got declined,.  GAAAHHH!!  here's their reasons:

 

 

  • Low available credit on existing credit card(s) (util is 14%, the card has a 500 CL??)
  • Insufficient credit history (I don't get this one)
  • Recently opened account (could be the Inquiry from Cap one that I closed because the CL wasn't high enough..but its ONE inquiry on TU!)

I guess I will have to immediately BD them in this case.

 

-CPP

 

 

 

Valued Contributor
Datx
Posts: 1,051
Registered: ‎05-20-2010
0

Re: UGH... tried for a barclay bank card

Barclay normally does pull TU. How many inquiries do you have on TU? 

TU: 603 – EQ: 569 – EX: N/A – May 2010

Established Member
Chickenpotpie
Posts: 31
Registered: ‎06-13-2010
0

Re: UGH... tried for a barclay bank card

 


MyCreditStinks wrote:

Barclay normally does pull TU. How many inquiries do you have on TU? 


 

Only 1 which was from Crap One.

 

-CPP

Established Member
Chickenpotpie
Posts: 31
Registered: ‎06-13-2010
0

Re: UGH... tried for a barclay bank card

does anyone know when is the best time of day to call for a recon?  I'm pretty sure its not now (its 11:22 pm here)

 

-CPP

Frequent Contributor
jaysdad2k
Posts: 368
Registered: ‎02-07-2008
0

Re: UGH... tried for a barclay bank card

Barclay's seems really good about recons. Try this number posted in someone else's thread: 866-408-4064.

 

I'd call late morning or early afternoon.

 

 

"Knowledge is of no value unless you put it into practice."- Anton Chekhov
4/11 TU 743 4/11 EQ 763
Established Contributor
KIPPIE12
Posts: 620
Registered: ‎05-09-2009
0

Re: UGH... tried for a barclay bank card

Barclays is probably the easiest out there in terms of recon.  Many have had trememdous success on these boards with them.  What the heck, you already took the hard inquiry, might as well call them. 

 

Let us know the result when you do.

Current Score: EQ: 807 TU: 811 EX: 813 (Fico) 8/14
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|Barclay Arrival Plus WEMC 10k|Chae IHG WMC 26k|Citi Double Cash 10k|Chase MileagePlus Explorer 14k
Established Contributor
beenthere
Posts: 971
Registered: ‎01-13-2008
0

Re: UGH... tried for a barclay bank card

[ Edited ]

I just got my first CLI from them yesterday. Went from $3500 to $4500. I declined their $79 annual fee for doing the 1% rewards program. They are giving me rewards anyway. They were the last of the credit card companies to jack with my interest rate. Went from 7.9 to 12.9 percent. Made me mad but it's the best rate I have so....

1-14-08....... TU=683, EQ=667, EX=666
7-04-08....... TU=688, EQ=678, EX=682.......
.......4 of my 5 cards and a new car later.
2/13/09 and forever EX 693
Epic Contributor
Creditaddict
Posts: 21,016
Registered: ‎10-23-2007
0

Re: UGH... tried for a barclay bank card

Did you call?

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 686 Prosper(10-30-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
Established Member
Chickenpotpie
Posts: 31
Registered: ‎06-13-2010
0

Re: UGH... tried for a barclay bank card

I called and it did not go well.

 

Called the recon number: w as told 2 things about their decision.

 

The card I have should be over 6 months to a year and I have 5 inquiries on my credit report. (thats crazy, for TU I only saw one!)

Then she said that also because the BK is still there,  I wouldn't be eligible until it dropped off.

 

Also something else.  They do not take student loans and /or car payments into account. They only take CC's into account.  I have one.  They said it was too new (I 've had it since June)

 

So anyway,  thats the breaks.  I'll have to see what the heck those other inquiries are and try to get them off my report.  The other thing is that I will probably just NOT apply anywhere else.  I have a great income, no baddies since 2004, but I guess I'm just an unlucky chicken.

 

-CPP

Frequent Contributor
jaystay
Posts: 368
Registered: ‎09-14-2009
0

Re: UGH... tried for a barclay bank card

 


Chickenpotpie wrote:

I called and it did not go well.

 

Called the recon number: w as told 2 things about their decision.

 

The card I have should be over 6 months to a year and I have 5 inquiries on my credit report. (thats crazy, for TU I only saw one!)

Then she said that also because the BK is still there,  I wouldn't be eligible until it dropped off.

 

Also something else.  They do not take student loans and /or car payments into account. They only take CC's into account.  I have one.  They said it was too new (I 've had it since June)

 

So anyway,  thats the breaks.  I'll have to see what the heck those other inquiries are and try to get them off my report.  The other thing is that I will probably just NOT apply anywhere else.  I have a great income, no baddies since 2004, but I guess I'm just an unlucky chicken.

 

-CPP


When you attempt a recon with Barclays they often pull an EX as well to give you further consideration. Perhaps that's where those inquiries are that she mentioned.

 


EQ Starting Score: 579 | TU Starting Score: 568
EQ Current Score: 650 | TU Current Score: 653
EQ Goal Score: 1000 | TU Goal Score: 1000



myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}