topic Re: Arrival + WEMC Approved....After Recon in Credit Card Approvals

Arrival + WEMC Approved....After Recon

Bone35 — Tue, 26 Jan 2016 00:46:03 GMT

Just wanted to share some data points and my recent experience.

Applied today for the Arrival + WEMC.... message stated "Needs further review"

Checked online app status 2 mins later...... "Declined"

Called for recon and was told denied do to "too many accounts opened recently" He then offered to to take a second look and see if they can reconsider. Asked about bk 7 in 2007, my job, income, and why I opened so many new accounts. Explained all and he said.... I see you have a Rewards card ($2200) with us. Would you like to close that account so that I can approve this one? I declined and ask if he could do it without that. Came back with I can, but I can only approve you for $2500. If you want to transfer the limit from your rewards card I can issue you a $5000 limit. I said sure. He also explained that the reason I wasnt given a much higher SL was due to low use of my Rewards card tho I had perfect history with it and all my cards since BK. I explained the reason it shows little usage is because of such a small credit line. I used it plenty at first but grew tired of making multiple payments a month. He also went out of his way and explained that with good use and payment history on this card I can expect a much higher line in the future.

5 mins later....Feeling tremendous remorse I called and spoke to them again and ask If I could please keep my old account open with at least a $500 limit and was put on hold.

I was transferred to a manger who was more than willing to help. She re opened my rewards card and kept my new Arrival at 5k.

I hear alot of horror stories on here about Barclays and recon efforts. My experience has been AWESOME. Very pleased with how they're willing to help.I dont recall ever hearing a "NO" from any of the 3 analysts I spoke with. Every time we hit a road block, they proactively searched for a solution. Call me old school, but Barclay's has moved up on my list of go to cards. Got to take care of those who take care of you

Also would like to thank this forum and all the contributors, without you I would have probably never reached this outcome.

I dont post much, but believe me when I say I've been studying and learning from you folks for quite some time

TU was at low 700's,150k+ Available Credit, 6% Utility, 6 inquires, about 10+ accounts last 24 months and a couple old collections.

Re: Arrival + WEMC Approved....After Recon

Anonymous — Tue, 26 Jan 2016 00:49:31 GMT

Wow, fantastic!! Congrats on your SUCCESS !!!

Re: Arrival + WEMC Approved....After Recon

Anonymous — Tue, 26 Jan 2016 03:33:16 GMT

congrats

Re: Arrival + WEMC Approved....After Recon

KSK1912 — Tue, 26 Jan 2016 04:04:30 GMT

@Bone35 wrote:
Just wanted to share some data points and my recent experience.

Applied today for the Arrival + WEMC.... message stated "Needs further review"

Checked online app status 2 mins later...... "Declined"

Called for recon and was told denied do to "too many accounts opened recently" He then offered to to take a second look and see if they can reconsider. Asked about bk 7 in 2007, my job, income, and why I opened so many new accounts. Explained all and he said.... I see you have a Rewards card ($2200) with us. Would you like to close that account so that I can approve this one? I declined and ask if he could do it without that. Came back with I can, but I can only approve you for $2500. If you want to transfer the limit from your rewards card I can issue you a $5000 limit. I said sure. He also explained that the reason I wasnt given a much higher SL was due to low use of my Rewards card tho I had perfect history with it and all my cards since BK. I explained the reason it shows little usage is because of such a small credit line. I used it plenty at first but grew tired of making multiple payments a month. He also went out of his way and explained that with good use and payment history on this card I can expect a much higher line in the future.

5 mins later....Feeling tremendous remorse I called and spoke to them again and ask If I could please keep my old account open with at least a $500 limit and was put on hold.
I was transferred to a manger who was more than willing to help. She re opened my rewards card and kept my new Arrival at 5k.

I hear alot of horror stories on here about Barclays and recon efforts. My experience has been AWESOME. Very pleased with how they're willing to help.I dont recall ever hearing a "NO" from any of the 3 analysts I spoke with. Every time we hit a road block, they proactively searched for a solution. Call me old school, but Barclay's has moved up on my list of go to cards. Got to take care of those who take care of you

Also would like to thank this forum and all the contributors, without you I would have probably never reached this outcome.

I dont post much, but believe me when I say I've been studying and learning from you folks for quite some time

TU was at low 700's,150k+ Available Credit, 6% Utility, 6 inquires, about 10+ accounts last 24 months and a couple old collections.

Congrats on the new approval by keeping the old one too. Barclay has done bent backwatds for me one time due to an SP CLI issue that i had with them and after several phone calls, twitter messages and etc. they ended up doing a HP CLI and then removed the HP. They have a great CS and i love my cards.

Re: Arrival + WEMC Approved....After Recon

Anonymous — Tue, 26 Jan 2016 05:26:06 GMT

Awesome job! Congrats!

Re: Arrival + WEMC Approved....After Recon

alextercero — Tue, 26 Jan 2016 06:19:09 GMT

Congrats

Re: Arrival + WEMC Approved....After Recon

Anonymous — Tue, 26 Jan 2016 06:57:08 GMT

Big time congrats!!!!!

Had a great experience as well when I reconed today for the Arrival +. Analyst was great. Surprised me with the WEMC when I got the approval email.

Re: Arrival + WEMC Approved....After Recon

CreditMagic7 — Tue, 26 Jan 2016 07:24:38 GMT

I explained the reason it shows little usage is because of such a small credit line. I used it plenty at first but grew tired of making multiple payments a month.

And this is something that plenty of Barclay cardholders have crowed about to their analysts time and time again before and many times over but makes you wonder if they really recognize it as a problem NOT for the cardholder but for them, the issuer, and why they don't get the regular useage which they could be raking in if they just loosen up a little.

Congrats! on getting some positive results out of them.

Re: Arrival + WEMC Approved....After Recon

ScoreOrBeScored — Tue, 26 Jan 2016 12:26:31 GMT

Job well done... Very impressed...... Congrats and enjoy your new card and higher limit and most of all, enjoy

making fewer multiple payment !!!

Re: Arrival + WEMC Approved....After Recon

OmarGB9 — Tue, 26 Jan 2016 17:41:19 GMT

Grats

Re: Arrival + WEMC Approved....After Recon

JustBPatient — Tue, 26 Jan 2016 18:07:43 GMT

Well done!!

Re: Arrival + WEMC Approved....After Recon

Anonymous — Tue, 26 Jan 2016 18:29:27 GMT

That's great you were able to keep your old account after all.

Re: Arrival + WEMC Approved....After Recon

Anonymous — Tue, 26 Jan 2016 21:02:50 GMT

Congrats on your success!