topic Re: Flew too close to the sun, Not enough glue on my wings. - Update, Still not approved in Credit Card Approvals

Flew too close to the sun, Not enough glue on my wings. -- (UPDATE!)

Anonymous — Wed, 29 Oct 2014 16:57:58 GMT

Well, against my better judgement, still in the clouds about my CSP approval. I went ahead and applied for a Sallie Mae World MC.

I figured with only one Inquiry on my TU, i'd be safe enough seeing as they're INQ sensitive.

Got the "App received and undergoing further review" message and figured i'd call in to Recon.

Recon attempt #1: -- DENIAL!

Nice lady came on the line, standard income verification, asked about my 6 1/2yr old C/O's, complimented me on my last 5yrs of 100% payment history, didn't bring up the medical collections, She then proceeded to tell me in no uncertain terms that 5 years penance wasn't good enough for them to approve today. I thanked her for her time and hung up.

Recon attempt #2: -- DENIAL!

Southern sounding gentleman came on the line, standard income verification, went straight for the 6 1/2yr old C/O's, also noted my stellar record for the last 5 years, brought up something about a collection (probably the medical), but didn't state what type. He then went into the spiel about how he felt that at this time I was not a prime candidate for their card. I got cocky and brought up my recent Prime card approvals, and how a prime bank such as them (lol), should take that into consideration. He stated he recognized that fact, but that their standards are higher when issuing credit, and that i'm welcome to try again when i take care of those C/O's. (Or time does) I thanked him for his time as well and hung up.

Recon attempt #3 -- DENIAL!

Recon attempt #4 -- APPROVAL!

I don't know if it's just me, but it seems like Barclay's Recon team has heard every "excuse" under the sun, and seems to have an answer for everything. They were of course nothing but professional, but they seem to be VERY C/O strict, perhaps even more than they are INQ strict. I guess i'm just lucky they didn't HP me again.

Approved on 10/29/14

Re: Flew too close to the sun, Not enough glue on my wings.

Anonymous — Fri, 24 Oct 2014 14:13:48 GMT

It seems like Barclay always has an excuse. I w I ups just apply for a different card. There are so many other cards. Why just settle on one?

Re: Flew too close to the sun, Not enough glue on my wings.

ExplicitElicit — Fri, 24 Oct 2014 14:25:17 GMT

@Anonymous wrote:
It seems like Barclay always has an excuse. I w I ups just apply for a different card. There are so many other cards. Why just settle on one?

I'd imagine he had a specific use for that card. You could try to call again.. Surely you can speak to someone that is willing to give you a chance.

Re: Flew too close to the sun, Not enough glue on my wings.

wacdenney — Fri, 24 Oct 2014 14:28:37 GMT

I've been declined for Sallie Mae over and over. I got this crappy Rewards MC thinking I would establish a relationship with them and it would help as a foot in the door kindof thing. NOPE! At this point I have given up on them. I'm not applying for any more Barclaycard cards and the only reason the one I have now is still open is for the free TU FICO score.

There are simply too many other options available for me to invest any more effort in trying to get in with them. They had their chance and they blew it!

Re: Flew too close to the sun, Not enough glue on my wings.

CreditCuriosity — Fri, 24 Oct 2014 14:29:13 GMT

I am sure Barclay's recon has probably heard every explanation under the sun. I was suprised I got approved and more so got an incredible recon CLI as well from my initial limit with some issues on my credit report. Then I read others that only have like 1 little baddie on there reports, similiar scores, etc. just flat out get denied and try to recon X amt of times to no success. I have no clue what they look for? Obviously utilization, what other cards are probably in your mix and if they would be utilized I am guessing and obviously income, etc. On flip side I applied for an amex green a few weeks ago, six figures income and I mentioned a few badies and got rejected. I have seen people with alot lower scores get approved, so once again amex being in this case most likely didn't like the baddies I still have and they don't want me currently. Anyways, just rambling.

Re: Flew too close to the sun, Not enough glue on my wings.

Anonymous — Fri, 24 Oct 2014 14:33:40 GMT

Reading this makes my approval quite surprising given that I have one 30-day late (March 2012) on a card I don't use and at the time of app reported 70% UTL on my Amex card. I guess wait and try again would be the best option

Good luck.

Re: Flew too close to the sun, Not enough glue on my wings.

chalupaman — Fri, 24 Oct 2014 14:37:32 GMT

Barclays is so weird. That's all I have to say. Tried two times to get the Sallie Mae (recon attempts) and that failed but when I did another card of theirs, I got in with them pretty easy.

Re: Flew too close to the sun, Not enough glue on my wings.

FinStar — Fri, 24 Oct 2014 14:46:04 GMT

@Anonymous wrote:
Well, against my better judgement, still in the clouds about my CSP approval. I went ahead and applied for a Sallie Mae World MC.
I figured with only one Inquiry on my TU, i'd be safe enough seeing as they're INQ sensitive.

Got the "App received and undergoing further review" message and figured i'd call in to Recon.

Recon attempt #1: Nice lady came on the line, standard income verification, asked about my 6 1/2yr old C/O's, complimented me on my last 5yrs of 100% payment history, didn't bring up the medical collections, She then proceeded to tell me in no uncertain terms that 5 years penance wasn't good enough for them to approve today. I thanked her for her time and hung up.

Recon attempt #2: Southern sounding gentleman came on the line, standard income verification, went straight for the 6 1/2yr old C/O's, also noted my stellar record for the last 5 years, brought up something about a collection (probably the medical), but didn't state what type. He then went into the spiel about how he felt that at this time I was not a prime candidate for their card. I got cocky and brought up my recent Prime card approvals, and how a prime bank such as them (lol), should take that into consideration. He stated he recognized that fact, but that their standards are higher when issuing credit, and that i'm welcome to try again when i take care of those C/O's. (Or time does) I thanked him for his time as well and hung up.

I don't know if it's just me, but it seems like Barclay's Recon team has heard every "excuse" under the sun, and seems to have an answer for everything. They were of course nothing but professional, but they seem to be VERY C/O strict, perhaps even more than they are INQ strict. I guess i'm just lucky they didn't HP me again.

Any recommendations, tips?
Should I try Recon again?

Sorry, not to be blunt, but your first sentence was pretty much key. Of course, when someone does not get approved or gets rejected then the rationalizing takes over. So, no it's not like they sit there waiting for your call to give an "excuse" not to approve you. While they can review every situation on a case by case basis, it doesn't mean that the backdoor number will perform miracles for everyone. Not like they have index cards formulated for every rebuttal you have.

You tried, and tried again, so in the end the result was and will be the same. Consider it later since they're not going away anytime soon.

Re: Flew too close to the sun, Not enough glue on my wings.

Anonymous — Fri, 24 Oct 2014 16:03:46 GMT

@ExplicitElicit wrote:

I'd imagine he had a specific use for that card. You could try to call again.. Surely you can speak to someone that is willing to give you a chance.

I do. Groceries and Gas when Discover and Chase are out of 5% rotation.

@wacdenney wrote:
I've been declined for Sallie Mae over and over. I got this crappy Rewards MC thinking I would establish a relationship with them and it would help as a foot in the door kindof thing. NOPE! At this point I have given up on them. I'm not applying for any more Barclaycard cards and the only reason the one I have now is still open is for the free TU FICO score.

There are simply too many other options available for me to invest any more effort in trying to get in with them. They had their chance and they blew it!

Wife has the Rewards MC, Not too bad at 2%, but I wanted more.

@CreditCuriousity wrote:
I am sure Barclay's recon has probably heard every explanation under the sun. I was suprised I got approved and more so got an incredible recon CLI as well from my initial limit with some issues on my credit report. Then I read others that only have like 1 little baddie on there reports, similiar scores, etc. just flat out get denied and try to recon X amt of times to no success. I have no clue what they look for? Obviously utilization, what other cards are probably in your mix and if they would be utilized I am guessing and obviously income, etc. On flip side I applied for an amex green a few weeks ago, six figures income and I mentioned a few badies and got rejected. I have seen people with alot lower scores get approved, so once again amex being in this case most likely didn't like the baddies I still have and they don't want me currently. Anyways, just rambling.

I am sure they have indeed, Reading more into it, it seems they put notes on the app whenever you call to recon..

The one little baddie on report seems also to be a recurring thing. My utilization is about 9% right now overall reported and actual is closer to 6%.

AMEX is an interesting lender as well. I suspect my 6, almost 7 year relationship with them is what got me two new cards in August.

@Anonymous wrote:
Reading this makes my approval quite surprising given that I have one 30-day late (March 2012) on a card I don't use and at the time of app reported 70% UTL on my Amex card. I guess wait and try again would be the best option
Good luck.

Rub it in, Lol... Geez. What's the rest of your report look like? Scores? AAoA?

@chalupaman wrote:
Barclays is so weird. That's all I have to say. Tried two times to get the Sallie Mae (recon attempts) and that failed but when I did another card of theirs, I got in with them pretty easy.

Aren't they? I don't want to go for the Rewards MC as I already have one through the Wife.

@FinStar wrote:

Sorry, not to be blunt, but your first sentence was pretty much key. Of course, when someone does not get approved or gets rejected then the rationalizing takes over. So, no it's not like they sit there waiting for your call to give an "excuse" not to approve you. While they can review every situation on a case by case basis, it doesn't mean that the backdoor number will perform miracles for everyone. Not like they have index cards formulated for every rebuttal you have.

You tried, and tried again, so in the end the result was and will be the same. Consider it later since they're not going away anytime soon.

Don't be sorry! I dove blindfolded into a pool which I wasn't sure was full or not when I apped for this card. I figured for the cost of one INQ when I only had one other on my TU, It would be worth a shot. What if i'd been Instapproved?

I wasn't expecting a miracle from Barclay's Recon department. No one knows my checkered past better than I do, and in fact almost had a glimmer of hope when I saw i wasn't denied off the bat. I tried twice, and will probably go for a third time if I see anymore advice.

The C/O's are so close to dropping off my reports that there's no point in doing anything with them at this time, not to mention the fact they've ceased collection activity on it over 2 years ago when the SOL ran out.

Re: Flew too close to the sun, Not enough glue on my wings. - Update, Still not approved

Anonymous — Fri, 24 Oct 2014 16:46:35 GMT

Recon attempt #3: Got another Male analyst on the line, standard income verification, asked about the 6 1/2yr old C/O's and after explaining he seemed to understand why they were there. (sympathy? maybe this is going somewhere..) No mention of the medical collections, Then came the death blow, my new approvals (5 in the last 2 months.)

He really sounded like he wanted to give me an approval until he whipped out the new accounts spiel. He says they want to see some history with the new accounts, and to try them again when the C/O's go away. I thanked him for his straightforwardness and time and hung up.

It seems to be confirmed that they do in fact take notes, which the next rep reads. HUCA does not work with Barclay's.

Re: Flew too close to the sun, Not enough glue on my wings. - Update, Still not approved

CreditMagic7 — Fri, 24 Oct 2014 16:59:03 GMT

@Anonymous wrote:
Recon attempt #3: Got another Male analyst on the line, standard income verification, asked about the 6 1/2yr old C/O's and after explaining he seemed to understand why they were there. (sympathy? maybe this is going somewhere..) No mention of the medical collections, Then came the death blow, my new approvals (5 in the last 2 months.)
He really sounded like he wanted to give me an approval until he whipped out the new accounts spiel. He says they want to see some history with the new accounts, and to try them again when the C/O's go away. I thanked him for his straightforwardness and time and hung up.

It seems to be confirmed that they do in fact take notes, which the next rep reads. HUCA does not work with Barclay's.

Yep. That will do it for them I had a somewhat similar experience with the exact same (new accounts blow) (too recent), with the same response of they wanted to see some history to those first. I gave them 4 months worth and tried again with a completely different outcome (instant approval) but with Barclay's it's always almost a luck of the draw just which way they might turn.

I would offer the advice to try them again in some months ahead if you really want a particular card such as the Sallie Mae and it can be possible next time will be the charm. Best of Luck next go 'round if you do and nice effort on this Recon anyway.

Re: Flew too close to the sun, Not enough glue on my wings. - Update, Still not approved

Anonymous — Fri, 24 Oct 2014 17:06:31 GMT

@CreditMagic7 wrote:

Best of Luck next go 'round if you do and nice effort on this Recon anyway.

I could just keep calling till they block my number and or blacklist me..

Nah. I got the hint.

I'll wait until those C/O's drop off (Or i'll try TU for early Exclusion), and then......Watch out world!

Re: Flew too close to the sun, Not enough glue on my wings.

Imhotrodcrazy — Fri, 24 Oct 2014 17:10:24 GMT

@Anonymous wrote:
Well, against my better judgement, still in the clouds about my CSP approval. I went ahead and applied for a Sallie Mae World MC.
I figured with only one Inquiry on my TU, i'd be safe enough seeing as they're INQ sensitive.

Got the "App received and undergoing further review" message and figured i'd call in to Recon.

Recon attempt #1: Nice lady came on the line, standard income verification, asked about my 6 1/2yr old C/O's, complimented me on my last 5yrs of 100% payment history, didn't bring up the medical collections, She then proceeded to tell me in no uncertain terms that 5 years penance wasn't good enough for them to approve today. I thanked her for her time and hung up.

Recon attempt #2: Southern sounding gentleman came on the line, standard income verification, went straight for the 6 1/2yr old C/O's, also noted my stellar record for the last 5 years, brought up something about a collection (probably the medical), but didn't state what type. He then went into the spiel about how he felt that at this time I was not a prime candidate for their card. I got cocky and brought up my recent Prime card approvals, and how a prime bank such as them (lol), should take that into consideration. He stated he recognized that fact, but that their standards are higher when issuing credit, and that i'm welcome to try again when i take care of those C/O's. (Or time does) I thanked him for his time as well and hung up.

I don't know if it's just me, but it seems like Barclay's Recon team has heard every "excuse" under the sun, and seems to have an answer for everything. They were of course nothing but professional, but they seem to be VERY C/O strict, perhaps even more than they are INQ strict. I guess i'm just lucky they didn't HP me again.

Any recommendations, tips?
Should I try Recon again?

Maybe 3rd time is the charm? I say go for it.

Re: Flew too close to the sun, Not enough glue on my wings. - Update, Still not approved

skigirl916 — Fri, 24 Oct 2014 17:11:40 GMT

I have to say, while I've read a million posts that Barclays is INQ and new account sensitive, they approved my Arrival+ on recon with 8 INQs and 7 new accounts - all since July, 5 of them since September. Those "issues" weren't even their concern in giving me the "7-10 day" review message. Rather, it was my lates in summer 2008.

I think they care a lot more about "baddies" than looking for/getting new credit. So, I'm not surprised they're not okay with the C/Os.

Re: Flew too close to the sun, Not enough glue on my wings.

Anonymous — Fri, 24 Oct 2014 17:11:42 GMT

@Imhotrodcrazy wrote:
@Anonymous wrote:
Well, against my better judgement, still in the clouds about my CSP approval. I went ahead and applied for a Sallie Mae World MC.
I figured with only one Inquiry on my TU, i'd be safe enough seeing as they're INQ sensitive.

Got the "App received and undergoing further review" message and figured i'd call in to Recon.

Recon attempt #1: Nice lady came on the line, standard income verification, asked about my 6 1/2yr old C/O's, complimented me on my last 5yrs of 100% payment history, didn't bring up the medical collections, She then proceeded to tell me in no uncertain terms that 5 years penance wasn't good enough for them to approve today. I thanked her for her time and hung up.

Recon attempt #2: Southern sounding gentleman came on the line, standard income verification, went straight for the 6 1/2yr old C/O's, also noted my stellar record for the last 5 years, brought up something about a collection (probably the medical), but didn't state what type. He then went into the spiel about how he felt that at this time I was not a prime candidate for their card. I got cocky and brought up my recent Prime card approvals, and how a prime bank such as them (lol), should take that into consideration. He stated he recognized that fact, but that their standards are higher when issuing credit, and that i'm welcome to try again when i take care of those C/O's. (Or time does) I thanked him for his time as well and hung up.

I don't know if it's just me, but it seems like Barclay's Recon team has heard every "excuse" under the sun, and seems to have an answer for everything. They were of course nothing but professional, but they seem to be VERY C/O strict, perhaps even more than they are INQ strict. I guess i'm just lucky they didn't HP me again.

Any recommendations, tips?
Should I try Recon again?
Maybe 3rd time is the charm? I say go for it.

I did.

@Anonymous wrote:
Recon attempt #3: Got another Male analyst on the line, standard income verification, asked about the 6 1/2yr old C/O's and after explaining he seemed to understand why they were there. (sympathy? maybe this is going somewhere..) No mention of the medical collections, Then came the death blow, my new approvals (5 in the last 2 months.)
He really sounded like he wanted to give me an approval until he whipped out the new accounts spiel. He says they want to see some history with the new accounts, and to try them again when the C/O's go away. I thanked him for his straightforwardness and time and hung up.

It seems to be confirmed that they do in fact take notes, which the next rep reads. HUCA does not work with Barclay's.

Re: Flew too close to the sun, Not enough glue on my wings. - Update, Still not approved

Anonymous — Fri, 24 Oct 2014 17:12:41 GMT

@skigirl916 wrote:

I think they care a lot more about "baddies" than looking for/getting new credit. So, I'm not surprised they're not okay with the C/Os.

Agreed. They've made their point very clear.

Re: Flew too close to the sun, Not enough glue on my wings. - Update, Still not approved

skigirl916 — Fri, 24 Oct 2014 17:15:37 GMT

@Anonymous wrote:
@skigirl916 wrote:
I think they care a lot more about "baddies" than looking for/getting new credit. So, I'm not surprised they're not okay with the C/Os.
Agreed. They've made their point very clear.

Well, at least they're being clear with you about why they don't like ya, so you can work on it/wait! I only wish I could get the same info out of Citi!

Re: Flew too close to the sun, Not enough glue on my wings.

Anonymous — Fri, 24 Oct 2014 17:15:47 GMT

Score was 750+ on TU and I had applied for a Citi DC (only approved for $1K cos of UTL) less than a week earlier.

AAoA was just under 5yrs but my oldest cards were 10yrs and 7yrs old.

Re: Flew too close to the sun, Not enough glue on my wings. - Update, Still not approved

Imhotrodcrazy — Fri, 24 Oct 2014 17:18:11 GMT

I think some people are punished far to long for some items on their report. Some lenders say you don't have enough recent credit to prove you can handle it. So you go and get some credit, then they say it is too recent. Damned if you do, damned if you don't. Sorry you were declined 3 times.

Re: Flew too close to the sun, Not enough glue on my wings. - Update, Still not approved

Anonymous — Fri, 24 Oct 2014 17:28:00 GMT

@Imhotrodcrazy wrote:
I think some people are punished far to long for some items on their report. Some lenders say you don't have enough recent credit to prove you can handle it. So you go and get some credit, then they say it is too recent. Damned if you do, damned if you don't. Sorry you were declined 3 times.

Pretty much.

I'll admit, I have been especially ambitious this year about increasing available credit, and diversifying my credit file.

Honestly this card was more of a want than a need. So i'm not heartbroken. I still have spend to meet on the CSP and SWA.

If i can say anything positive came out of this, It's knowing where I stand with Barclay's, so I'll be holding off on the Arrival+ and SM WMC again till I can get those C/O's to disappear. Maybe this time next year we'll get instapproved.