topic Re: Barclays 10 day message in Credit Card Applications

Barclays 10 day message

red259 — Sat, 05 Aug 2017 17:54:52 GMT

I applied for the barclays AA card and receieved a message that it will take up to 10 days to review my application. I have one other barclays card which I have had for two years or maybe more. Do I still have a chance with a 10 day message? Is the best practice still to sit tight and wait instead of calling in?

Re: Barclays 10 day message

CreditCuriosity — Sat, 05 Aug 2017 18:15:35 GMT

Have you checked what it says here?

https://www.barclaycardus.com/apply/cas/applications/search

Most likely is stuck in fraud dept. if not declined which I highly doubt you were declined. You can reach them Mon-Friday 8-5 I believe. If you weren't declined call recon and ask them what is up and they will most likely say it is being handled by a different deptartment and provide you a contact # for weekdays. I recently went through this with the AA card from Barclays and I have had a long history with them as well. Made a call answered one or two questions and aprpoved.

Re: Barclays 10 day message

red259 — Sat, 05 Aug 2017 18:28:42 GMT

@CreditCuriousity wrote:
Have you checked what it says here?

https://www.barclaycardus.com/apply/cas/applications/search

Most likely is stuck in fraud dept. if not declined which I highly doubt you were declined. You can reach them Mon-Friday 8-5 I believe. If you weren't declined call recon and ask them what is up and they will most likely say it is being handled by a different deptartment and provide you a contact # for weekdays. I recently went through this with the AA card from Barclays and I have had a long history with them as well. Made a call answered one or two questions and aprpoved.

Yea when I check there it gives the 10 day message.

Re: Barclays 10 day message

CreditCuriosity — Sat, 05 Aug 2017 18:35:06 GMT

Call UW.. Betcha it is going to be a fraud dept. issue.. They will most likely tell you to call x # during monday-friday. UW is 866-408-4064. Let me know if you call and that is the issue.

Re: Barclays 10 day message

red259 — Sat, 05 Aug 2017 18:50:49 GMT

@CreditCuriousity wrote:
Call UW.. Betcha it is going to be a fraud dept. issue.. They will most likely tell you to call x # during monday-friday. UW is 866-408-4064. Let me know if you call and that is the issue.

I'll likely wait till monday then since if that is the issue I can't do anything until then anyway.

Re: Barclays 10 day message

red259 — Tue, 08 Aug 2017 20:14:42 GMT

Got around to calling in today. Had to play 20 questions with the rep because he saw 4 cards opened in the last six months or something and wanted to know why. Wanted to know about my business even though this was a personal card. Wanted to know why I had no credit cards showing prior to 2013(which is when my oldest card was opened) he would only open the new card if I moved 5k over from my no-af arrival card. I rarely use the arrival card and this makes me more likely to close it in the future. In the end its an approval but that will probably be the last time I call in to barclays and instead I will opt to wait in the future.

Re: Barclays 10 day message

Anonymous — Tue, 08 Aug 2017 20:40:04 GMT

Your stats regarding new accounts and age are very close to mine although my TU is 742. I'm thinking I won't bother applying with them now if they're going to give me the run around like they have with you...

Re: Barclays 10 day message

red259 — Tue, 08 Aug 2017 21:29:43 GMT

@Anonymous wrote:
Your stats regarding new accounts and age are very close to mine although my TU is 742. I'm thinking I won't bother applying with them now if they're going to give me the run around like they have with you...

I'd let accounts age some past the six month mark and if you have an account already with barclays I'd use that for a few months prior to apping. Mine basically stayed in the SD and they like to see use before giving another card. I think the whole moving credit over was because I have a 12.5k line with them that I have barely touched in the past two years. I am kinda looking forward to my time in the garden.

Re: Barclays 10 day message

Anonymous — Tue, 08 Aug 2017 21:51:36 GMT

I'll be at the 6 month mark on my newest reporting card later this month. Think it's best to wait even longer?

Re: Barclays 10 day message

red259 — Tue, 08 Aug 2017 22:22:00 GMT

@Anonymous wrote:
I'll be at the 6 month mark on my newest reporting card later this month. Think it's best to wait even longer?

Its up to you and how major of a blow it is to you to take an inq. I don't think an Inq is a big deal but barclays can be a bear to recon with from my understanding. If this is your first barclays card I think you will have better odds. If this is a second or more barclay card then I would make sure to show history on your current cards before apping since they seem to really value that.

Re: Barclays 10 day message

CreditCuriosity — Tue, 08 Aug 2017 23:28:02 GMT

Interesting so wasn't verification? Had alot more new accounts then you and they didn't blink an eye. Guess it all depends on whom you get on how bad they drill or don't drill you. Granted mine wasn't a lending issue, but a verification issue. As stated way more then 6 in the last 6 months though

Re: Barclays 10 day message

csryang — Wed, 09 Aug 2017 00:42:24 GMT

@CreditCuriousity wrote:
Interesting so wasn't verification? Had alot more new accounts then you and they didn't blink an eye. Guess it all depends on whom you get on how bad they drill or don't drill you. Granted mine wasn't a lending issue, but a verification issue. As stated way more then 6 in the last 6 months though

I did not get grilled like Red either. CreditCuriousity, did you put some spend on your current Barclay cards prior to apping with them?

For me, they always want me call them after an application since I am at their max exposure, which I understand. They always say, "Sorry I cannot approve you for this card because you have enough credit from us." Then, there's a pause... "but I can move some credit from your cards to open this one. This requires additional review.." I always get approved this way lol. I have had 4 Barclay cards - 3 active and one closed.