08-23-2012 10:42 AM
App'd for US Airways card today...got the 7-10 day review message. When do I call and recon? Today or do I wait till they send me the message denying my app?
08-23-2012 10:50 AM
08-23-2012 01:19 PM
Called and denied...CSR said they want to see more use out of my new accounts. I have opened a few new accounts in the last year and they want to see how I use them? Also, said they wanted to see me pay off my last two closed accounts (CITI) ...about 13,000 in debt. My util is only 6 percent. Second time I've been denied by them in 2 years. Don't think I will try again....I have AMEX and USAA so I don't really need them.
08-23-2012 04:08 PM
08-23-2012 07:00 PM
How many new accounts and how long ago were they opened? I am trying to get an idea how long my new 7 accounts are going to hold me down. I opened 7 CC's in June. I tried Chase for a CLI and I was also told they need to see how I handle my new accounts. I asked how long are we talking about and the credit analyst said maybe a year or two!! Surely not that long?
08-23-2012 07:09 PM
I opened about 7 or 8 new accounts since last October. About 4 last year, and 4 this year. So, some of my accounts are going to be 1 yr old in Oct-Dec. She made it sound like a year was what they were looking for.
She asked me a ton of questions...like have a ever took a cash advance on my credit cards...what did i purchase on my credit cards...I was like, "huh...I can't remember everything I put on my credit cards". I try to pay before the statement cuts...that's all that should matter. Barclays is kinda weird!
08-23-2012 07:58 PM
OP have you thought about calling again for a second recon?
08-23-2012 08:04 PM
I was just thinking the same thing. It could be that they will just require you to pay off the closed accts. But this rep sounds like she wasn't having a good day. I would call back and talk to a guy (mostly so you know you're not getting the same person again). Use the backdoor # and if a girl answers, hang up and just try until a guy answers. (Sneaky, I know. )
I got Barclay's Apple in November and my first rebuilder CC was in April, so that isn't very long. I did have a year of history before that w/2 secured loans at bank/CU. But still, I had a really thin CR file. The guy was very nice and asked me a couple of questions and then approved me for $2200.
Timing w/Barclay's does appear to be a factor sometimes. I think if you're bordeline and app during the holidays, you stand a better chance. Tons of people on the forum got approved and reconed CLIs last year in Nov/Dec.
08-23-2012 08:13 PM
Thanks for the advice. I think I will try that tomorrow. Bichonmom, do I mention that I already recon'd or just pretend that it's the first time?
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