topic Re: Barclaycard rewards in Credit Card Applications

Barclaycard rewards

Anonymous — Mon, 01 Dec 2014 22:25:43 GMT

Hi Floks, new to this site and liking what I see so far. Im currently trying to raise my fico scores to get better interest rates on a near future mortgage. I currently have a capital one secured cc. After reading some boards I decided to apply for the barclaycard reawards cc. It seems from what I read they only pull your transunion report so thats why I chose it. My TU score is 671. I just applied 15 mins ago and a message popped up after I applied that read (we will let you know within 10 days). So do you think i have good odds with a Tu score of 671? My exp. is 653 and my equifax is 644. Thanks.

Re: Barclaycard rewards

mongstradamus — Mon, 01 Dec 2014 22:30:06 GMT

@Anonymous wrote:
Hi Floks, new to this site and liking what I see so far. Im currently trying to raise my fico scores to get better interest rates on a near future mortgage. I currently have a capital one secured cc. After reading some boards I decided to apply for the barclaycard reawards cc. It seems from what I read they only pull your transunion report so thats why I chose it. My TU score is 671. I just applied 15 mins ago and a message popped up after I applied that read (we will let you know within 10 days). So do you think i have good odds with a Tu score of 671? My exp. is 653 and my equifax is 644. Thanks.

You can call in and ask if they need any additional information, but from what it sounds like it you may have been denied. You can try and recon with barclays when you call in.

Re: Barclaycard rewards

CreditCuriosity — Mon, 01 Dec 2014 22:43:58 GMT

Score is fine, but have no clue about the rest of your profile...

Make sure you call this # it is the U/W and Recon # and ask about status and if declined they might be able to turn it over. don't call the normal CSR #

Barclays: 866-408-4064 (Credit Analyst)

Re: Barclaycard rewards

uswala — Mon, 01 Dec 2014 22:44:16 GMT

@mongstradamus wrote:
@Anonymous wrote:
Hi Floks, new to this site and liking what I see so far. Im currently trying to raise my fico scores to get better interest rates on a near future mortgage. I currently have a capital one secured cc. After reading some boards I decided to apply for the barclaycard reawards cc. It seems from what I read they only pull your transunion report so thats why I chose it. My TU score is 671. I just applied 15 mins ago and a message popped up after I applied that read (we will let you know within 10 days). So do you think i have good odds with a Tu score of 671? My exp. is 653 and my equifax is 644. Thanks.
You can call in and ask if they need any additional information, but from what it sounds like it you may have been denied. You can try and recon with barclays when you call in.

If denied do recon. Barclays are good with recon.

Good luck.

Re: Barclaycard rewards

Anonymous — Mon, 01 Dec 2014 22:58:04 GMT

Thanks for the fast replies and the number. Ill give them a call.

Re: Barclaycard rewards

Anonymous — Mon, 01 Dec 2014 23:09:15 GMT

Just called them and they closed at 5 eastern time which was right around the time I applied. Maybe that's why I got that message.

Re: Barclaycard rewards

abbafan — Mon, 01 Dec 2014 23:13:58 GMT

@Anonymous wrote:
Hi Floks, new to this site and liking what I see so far. Im currently trying to raise my fico scores to get better interest rates on a near future mortgage. I currently have a capital one secured cc. After reading some boards I decided to apply for the barclaycard reawards cc. It seems from what I read they only pull your transunion report so thats why I chose it. My TU score is 671. I just applied 15 mins ago and a message popped up after I applied that read (we will let you know within 10 days). So do you think i have good odds with a Tu score of 671? My exp. is 653 and my equifax is 644. Thanks.

I got approved for Barclays Rewards MC with my TU score of around 610, so you should be good. Although, I got approved immediately. Not sure why you didn't.

Re: Barclaycard rewards

Anonymous — Mon, 01 Dec 2014 23:20:50 GMT

Hmmm...Gives me a little hope... Ive only had the capital one cc since Sept., I've had an auto loan for over a year with no late payments. I do have 7 small collections from a few years ago that probably hurt me.

Re: Barclaycard rewards

mongstradamus — Mon, 01 Dec 2014 23:23:26 GMT

@Anonymous wrote:

Hmmm...Gives me a little hope... Ive only had the capital one cc since Sept., I've had an auto loan for over a year with no late payments. I do have 7 small collections from a few years ago that probably hurt me.

Yeah probably hurts an bit those collections. Worst thing they can say is you got denied. I would just call in and plead your case and see what they say. Good luck :-)

Re: Barclaycard rewards

Anonymous — Mon, 01 Dec 2014 23:45:06 GMT

If you google Barclaycard application status you can actually check your status there. I applied once got the 10 day message immediately checked my status and it said denied. I applied when I was a 652 TU and denied, reconed twice (both denied).......they like to see 6-12 months history and not a lot of new accounts opened at one time. My oldest account when I applied was only 5 months........I also had 2 collections but they didnt care about them they just wanted to see more history and thats a big complaint with Barclays. Good luck and like others said Recon !! Since then I was approved for NFCU with a big limit and decent rate so I dont see why I need them anymore......just want to go with the Prime lenders once my score is high enough. Good luck again and fingers crossed.

Re: Barclaycard rewards

Anonymous — Mon, 01 Dec 2014 23:47:33 GMT

Thank you.

Re: Barclaycard rewards

Anonymous — Mon, 01 Dec 2014 23:52:22 GMT

Just went and googled that and was denied. Wishing I wouldn't have tried now. It's probably going to hurt my score a bit. Thanks again.

Re: Barclaycard rewards

Anonymous — Mon, 01 Dec 2014 23:55:29 GMT

I received the same message when i apped for it on a friday night but by monday they sent me an email telling me to set up my online account when I at that point did not even know i had gotten approved!! I had a 640 when I got approved but was denied when my score was 615 the year prior. That could have been due to my discharged bk though and less to do with the fico itself?

Re: Barclaycard rewards

CreditCuriosity — Tue, 02 Dec 2014 00:01:20 GMT

@Anonymous wrote:
Just went and googled that and was denied. Wishing I wouldn't have tried now. It's probably going to hurt my score a bit. Thanks again.

Still call that number tomorrow and try to recon your denial! They are known to recon very well,what do you have to lose other then a few minutes of your life? Alot of denials are overturned! Just be prepared to answer the following questions when you recon:

What is your income

What and where do you work

Explain any derog on your credit report and be prepared to have good answers such as your currently working on getting them removed by what ever method you choose or say you were going through a tough time in your life or lost a job or hardship or something of the sort, but make sure you don't go against what you said what you do for a living and how long you have worked there, etc

They will ask thee type question.s

Re: Barclaycard rewards

Anonymous — Tue, 02 Dec 2014 13:51:13 GMT

Yes recon!!! Even though I was still denied through recon they are very very nice!! Alot of people have great luck with reconning with Barclays so dont give up just yet!!

They will ask you questions about your income and basically questions of why their computer denied you. For me they asked why have so many account been open recently, I told then I was rebuilding. I also tried to explain my inquiries but the rep didnt care about the inquiries (that wasnt a concern for him) he said if I have more history with my oldest account and then had the new accounts he could approve me but since my oldest account is pretty new plus I opened up more he couldnt right now. He said to just build up.more history and apply again. But on the other hand I have read a lot of people who were denied for the same reason who called and was able to get approved so dont give up!!!! I was so scared to call but they are honestly the nicest people ever and even if they cant approve you they will tell you why you were denied, what you are doing right and what to do to get approved in the future.

Also your score might take a little hit because its a new inquiry (whether approved or not, even if approved the inquiry might lower your score a little)

Good Luck!! And I am keeping my fingers crossed for you!!

Re: Barclaycard rewards

Anonymous — Tue, 02 Dec 2014 21:35:10 GMT

Well I just called them and the gentleman I spoke with was very friendly and helpful. He never even mentioned collections. He said my auto loan looks great as well as my school loans but the reason for being declined is not enough credit established with my capital one card. That sucks.. He recomended maybe applying for some store charge cards to help establish my credit card credit. Thanks again everybody for the help

Re: Barclaycard rewards

Anonymous — Tue, 02 Dec 2014 21:44:56 GMT

@abba. Funny, I got denied previously with a TU FICO of 642.

Re: Barclaycard rewards

Anonymous — Tue, 02 Dec 2014 22:05:57 GMT

Im sorry the same with me tho so your not alone. They also never said anything about my collections. I also read that they dont really care to much about old collections (as long as it not a lot) especially when it has nothing to do with credit cards. You are on the right track and definitely reapply in 6 months.

Re: Barclaycard rewards

Anonymous — Tue, 02 Dec 2014 22:08:05 GMT

Thanks, I took his advice and just applied for a peebles card and got it...Wooohooo

Re: Barclaycard rewards

CreditCuriosity — Tue, 02 Dec 2014 22:08:32 GMT

Sorry to hear... Deffinety get in with them in 6 more months if you so choose... They pay attention to people that have app'ed before as well... First time declined, 8 months later approved @ 4k.