Credit Cards Center Credit cards from our partners
Reply
New Visitor
Posts: 3
Registered: ‎01-01-2013
0

Re: barclay starting off the year in barclay style

I have given up on Barclays.  They are the world's most paranoid bank.  Somebody please get them some hot chocolate and tell them it's gonna be alright.  

Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
0

Re: barclay starting off the year in barclay style


Peets wrote:

I have given up on Barclays.  They are the world's most paranoid bank.  Somebody please get them some hot chocolate and tell them it's gonna be alright.  


They (or rather their parent) has a lot to be paranoid about!

Valued Contributor
Posts: 3,001
Registered: ‎02-09-2012
0

Re: barclay starting off the year in barclay style

You have a 99.9% chance of AA opening a card within 6 months of Barclay approval

5/2012: 560 credit scores across the board
12/2014: 750+ scores across the board
Get those baddies removed!!!
Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
0

Re: barclay starting off the year in barclay style


bichonmom wrote:

Some people have not had any problems, even opening several CCs after Barclays. Others have had AA. They probably have their own algorithm that they use. I was concerned last year because I got 2 CCs last year around the same time as Barclay's. fortunately, I didn't have a problem. But I was holding my breath for a few months. I also got a 2nd Barclay's over the summer, got a CLI on my first and I opened another cc, all within a few months. Thank goodness there was no problem, but I was a bit nervous for a while. 

 

Most have had good experiences with them and they seem to be very willing to help give people a second chance to rebuild credit. But those usually don't get posted. It's the occasional AA that people post about and therefore gets the most attention.

 


Well there is a good story and I hope I fair the same.  It's just that there doesn't seem to be a rhym nor reason to thier decisions to shut down someone, other than the opening of new accounts.  Do they think that they are the end all be all of CC's or something?  I opened CC's before them with 3 times the limit they gave me and the same after.  I'm just going to keep doing what I've been doing and hope for the best.

 

I'd hate to loose them and it would be a loss to me, but nothing that I couldn't overcome with my next CLI.  But I still hope not Smiley Very Happy.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
0

Re: barclay starting off the year in barclay style

[ Edited ]

Repo-ed wrote:

You have a 99.9% chance of AA opening a card within 6 months of Barclay approval


What is that based on? Rhaeny and I haven't, so there must be 2K on here who have!

Senior Contributor
Posts: 3,345
Registered: ‎05-05-2011
0

Re: barclay starting off the year in barclay style

[ Edited ]

Repo-ed wrote:

You have a 99.9% chance of AA opening a card within 6 months of Barclay approval


I have rarely read a post of AA from Barclays. Every few months one pops up. Many people have posted about opening accts without an issue In response to those threads. Usually a thread like this - based on one person's experience - will generate more experiences like I've had than the one person's negative experience. 

 

Yes, it does happen. But not nearly in the extreme you're talking about.

 

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
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!

Valued Contributor
Posts: 3,001
Registered: ‎02-09-2012
0

Re: barclay starting off the year in barclay style


bichonmom wrote:

Repo-ed wrote:

You have a 99.9% chance of AA opening a card within 6 months of Barclay approval


I have rarely read a post of AA from Barclays. Every few months one pops up. Many people have posted about opening accts without an issue In response to those threads. Usually a thread like this - based on one person's experience - will generate more experiences like I've had than the one person's negative experience. 

 

Yes, it does happen. But not nearly in the extreme you're talking about.

 

 


Then that only means somewhere between your opinion and mine, the truth can be found.

5/2012: 560 credit scores across the board
12/2014: 750+ scores across the board
Get those baddies removed!!!
Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
0

Re: barclay starting off the year in barclay style

So where did the 99.9% come from? 


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
0

Re: barclay starting off the year in barclay style


Repo-ed wrote:

bichonmom wrote:

Repo-ed wrote:

You have a 99.9% chance of AA opening a card within 6 months of Barclay approval


I have rarely read a post of AA from Barclays. Every few months one pops up. Many people have posted about opening accts without an issue In response to those threads. Usually a thread like this - based on one person's experience - will generate more experiences like I've had than the one person's negative experience. 

 

Yes, it does happen. But not nearly in the extreme you're talking about.

 

 


Then that only means somewhere between your opinion and mine, the truth can be found.


That makes discussion almost meaningless.

 

"Repo-ed is in fact a furry green kitten from Venus"   Now, if you tell me that you are not, and that you are a some sort of human from Earth (yeah, right, that's what all you green kittens claim!) can we conclude "Then that only means somewhere between your opinion and mine, the truth can be found."

Regular Contributor
Posts: 249
Registered: ‎12-24-2012
0

Re: barclay starting off the year in barclay style


bichonmom wrote:

Repo-ed wrote:

You have a 99.9% chance of AA opening a card within 6 months of Barclay approval


I have rarely read a post of AA from Barclays. Every few months one pops up. Many people have posted about opening accts without an issue In response to those threads. Usually a thread like this - based on one person's experience - will generate more experiences like I've had than the one person's negative experience. 

 

Yes, it does happen. But not nearly in the extreme you're talking about.

 

 


 

I've opened nearly 7 new accounts within 4 months since my last Barclays and no AA.  Maybe it helps that my first Barclays had 4 years history before the second was opened.  Still, no CLI requests from me just in case.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.