I don't understand. My credit score tanked from 660 to 615, but it was to be expected. Very new credit history, the only thing I had was student loans and a car loan. Apped and got 5 CCs within 2 months and balance reporting dropped the score. Not freaking out because I expected it.
Hit the CLI button, asked for $600 and was declined because of short payment history... fair enough. Only had the CC for 3 months. Figured I wanted more credit because my car needed about $1400 in repairs, which then added 28% to my util.
But they were nice when they called me. When they checked my CR (I'm assuming it was a HP) they would have seen like 5 INQs, a rapid credit score drop. I wonder why they didn't decide to just close it then? I even asked if I could use the 0% financing later on for Apple stuff and the rep said yes. It seemed like people said if this happened Barclays would just randomly close their accounts.
So where's the big bad Barclays everyone is talking about? Or did I just get lucky? 
Hi spengbab!
Just curious... are you trying to get them to AA? Barclays is known through out this forum for CLD and closures for new accounts and inqs not on the CR when approved. I think that the majority of the AAs come from individuals that were borderline to begin with but it doesn't make sense to "poke the tiger" so to speak. Barclays is such a big company, one hand doesn't always know what the other is doing. Barclays has a department that specifically monitors new accounts for inqs and new credit accounts for the first few months an account is open. Be careful, because one day you are 'in like Flyn' while you are on the phone with the CSRs ane at the same time the new accounts department is closing your account.
Starting Score: 642
improvingmycredit wrote:Hi spengbab!
Just curious... are you trying to get them to AA? Barclays is known through out this forum for CLD and closures for new accounts and inqs not on the CR when approved. I think that the majority of the AAs come from individuals that were borderline to begin with but it doesn't make sense to "poke the tiger" so to speak. Barclays is such a big company, one hand doesn't always know what the other is doing. Barclays has a department that specifically monitors new accounts for inqs and new credit accounts for the first few months an account is open. Be careful, because one day you are 'in like Flyn' while you are on the phone with the CSRs ane at the same time the new accounts department is closing your account.
I agree, i'd keep myself on the down low for the next 6 months out of the radar!
LS2982 wrote:
improvingmycredit wrote:Hi spengbab!
Just curious... are you trying to get them to AA? Barclays is known through out this forum for CLD and closures for new accounts and inqs not on the CR when approved. I think that the majority of the AAs come from individuals that were borderline to begin with but it doesn't make sense to "poke the tiger" so to speak. Barclays is such a big company, one hand doesn't always know what the other is doing. Barclays has a department that specifically monitors new accounts for inqs and new credit accounts for the first few months an account is open. Be careful, because one day you are 'in like Flyn' while you are on the phone with the CSRs ane at the same time the new accounts department is closing your account.
I agree, i'd keep myself on the down low for the next 6 months out of the radar!
Really? 
spengbab wrote:Haha no I'm not trying to get them to AA me. Actually I'm pretty apathetic about Barclays because other than the Apple financing it really doesn't have good perks. It was just a let's see if I can do this to help out my credit score a little bit type deal. But they were pretty nice to deal with...
LOL - I didn't think you were trying for the AA but it seems like you might be if you keep apping. I agree with you.. not a lot of perks with the Apple card but the CSRs are very nice. I've had my Barclays now for 11 months. I've had one CLI initiated by me and I get BT offers all the time like: 0% interest for 15 months with 1% TA fees. NICE. Stick with them and take care of the card and Barclays will take care of you with nice increases and special offers.
drkaje wrote:
LS2982 wrote:
improvingmycredit wrote:Hi spengbab!
Just curious... are you trying to get them to AA? Barclays is known through out this forum for CLD and closures for new accounts and inqs not on the CR when approved. I think that the majority of the AAs come from individuals that were borderline to begin with but it doesn't make sense to "poke the tiger" so to speak. Barclays is such a big company, one hand doesn't always know what the other is doing. Barclays has a department that specifically monitors new accounts for inqs and new credit accounts for the first few months an account is open. Be careful, because one day you are 'in like Flyn' while you are on the phone with the CSRs ane at the same time the new accounts department is closing your account.
I agree, i'd keep myself on the down low for the next 6 months out of the radar!
Really?
Hey, i'm not calling them asking for AA!!
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