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When to recon with Barclays!

Frequent Contributor

When to recon with Barclays!

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?

Current: EQ Fico (700), EX Fico AMX (681) TU Fico Walmart (711) MyFico TU (708) Vantage: TU 803, EX 777, EQ 789
Goal: 700+ across the board.
10 REPLIES
Valued Contributor

Re: When to recon with Barclays!

Call them today. Good luck
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Frequent Contributor

Re: When to recon with Barclays!

thank you.

Current: EQ Fico (700), EX Fico AMX (681) TU Fico Walmart (711) MyFico TU (708) Vantage: TU 803, EX 777, EQ 789
Goal: 700+ across the board.
Frequent Contributor

Re: When to recon with Barclays!

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. 

Current: EQ Fico (700), EX Fico AMX (681) TU Fico Walmart (711) MyFico TU (708) Vantage: TU 803, EX 777, EQ 789
Goal: 700+ across the board.
Mega Contributor

Re: When to recon with Barclays!

Sorry to hear.....Smiley Sad

You have better cards and there are better airline cards out there.



EQ FICO 548 3/3/16
New Contributor

Re: When to recon with Barclays!

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?

Frequent Contributor

Re: When to recon with Barclays!

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!

Current: EQ Fico (700), EX Fico AMX (681) TU Fico Walmart (711) MyFico TU (708) Vantage: TU 803, EX 777, EQ 789
Goal: 700+ across the board.
Valued Contributor

Re: When to recon with Barclays!

OP have you thought about calling again for a second recon?

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Senior Contributor

Re: When to recon with Barclays!

+1

 

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. Smiley Happy)

 

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.

 

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EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Frequent Contributor

Re: When to recon with Barclays!

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?

Current: EQ Fico (700), EX Fico AMX (681) TU Fico Walmart (711) MyFico TU (708) Vantage: TU 803, EX 777, EQ 789
Goal: 700+ across the board.