topic Re: Barclaycard Arrival Plus denied with 816 in Credit Card Applications

Barclaycard Arrival Plus denied with 816

K-in-Boston — Tue, 05 Feb 2019 22:32:10 GMT

So my plan was to garden through all of 2019. Then there was the $700 carrot that Barclaycard is waving with this card, the fact that my scores are in the 800s now, and I really couldn’t come up with a good reason to actually be gardening if it meant passing up big signup bonuses. Well, today I may have received a reason.

To put this into perpective, the only card I can previously recall being denied for in at least a decade was the Capital One Venture in February 2017. CapOne for some reason has never liked me, and before closing my final card with them I had been a customer for over 20 years and never got a single CLI. My reports have always been flawless other than utilization.

We know that Barclaycard can be jealous when you open new accounts after opening one of theirs, and they can often do AA for what seems like very puzzling reasons. Others have no issues at all with them. Now it appears they may be jealous of existing new accounts as well.

It’s embarrassing but I thought I would share this for data point. Income decently into the 200s, flawless reports, utilization in the single digits, AoOA 25 years, AAoA over 8 years, and they pulled a TransUnion score of 816. Denied for too many new accounts in the past 24 months. Called recon line and plead my case. Put me on hold. Came back still denied due to “10 new accounts in 24 months.” Tried further with explaining why the card was a good fit for me, why I have that many accounts in the past two years, the fact that I have only opened 3 in the past 12 months (SkyMiles Platinum Business would make 4, but hidden)... yeah, still denied.

I went in knowing that it would likely be a doomed relationship since I can admit that I am a bonus chaser and except for Chase and Amex, I am likely an unprofitable customer. But that $700... <sigh> Anyway, just thought I would share. So if you have a fairly heavy number of new accounts, they can and will deny otherwise extremely qualified applicants.

Re: Barclaycard Arrival Plus denied with 816

redpat — Tue, 05 Feb 2019 22:40:00 GMT

K, nothing to be embarrassed about, you took a shoot for $700 and the new amount of new in the past 24 is something all CCC seem to follow now.

Barclay is a though nut to crack on new accounts.

Re: Barclaycard Arrival Plus denied with 816

K-in-Boston — Tue, 05 Feb 2019 22:48:15 GMT

Embarrassing is probably the wrong word. Now that I think about it, that’s insensitive to what many others here on the forums experience. More like hurt pride. I felt invincible, thinking that Capital One was my only Krypton.

Re: Barclaycard Arrival Plus denied with 816

Anonymous — Tue, 05 Feb 2019 22:51:36 GMT

Know me by my enemies.

Re: Barclaycard Arrival Plus denied with 816

Anonymous — Tue, 05 Feb 2019 22:53:18 GMT

Barclay can be a cruel, jealous, and vengeful mistress. I had good luck getting approved with limited\questionable history, but couldn't get a CLI out of them so they went in the round file. Outside of the bonus, the card does nothing.

This does serve as a good reason to stay in the garden unless you need to leave

Re: Barclaycard Arrival Plus denied with 816

kdm31091 — Tue, 05 Feb 2019 22:53:42 GMT

Sadly, your excellent score was irrelevant because Barclay has a 6/24 rule for this card. Unfortunately it's a wasted application, but $700 is always worth a try!

Re: Barclaycard Arrival Plus denied with 816

K-in-Boston — Tue, 05 Feb 2019 22:56:39 GMT

Ouch. Had I been aware, I would not have even attempted. I seem to have somehow missed that little tidbit. The analyst I was speaking with told me to try again a little later when that number comes down, but wouldn’t even give me what they consider to be an “acceptable number of accounts opened in the past 24 months.”

Re: Barclaycard Arrival Plus denied with 816

Remedios — Tue, 05 Feb 2019 22:57:54 GMT

Sorry, K. That's a bummer. You'll get them next time

Re: Barclaycard Arrival Plus denied with 816

redpat — Tue, 05 Feb 2019 22:59:20 GMT

The new krypton is a x/24 factor.

Who ever knew it would come to this.

Re: Barclaycard Arrival Plus denied with 816

AverageJoesCredit — Tue, 05 Feb 2019 23:00:28 GMT

Sorry K, thanks for sharing . I think when applying for Barclays its best to change your diet of coffee for tea a good 6 months out so that they can accept /reject you with a Cheerio and a scone

Re: Barclaycard Arrival Plus denied with 816

K-in-Boston — Tue, 05 Feb 2019 23:03:15 GMT

@AverageJoesCredit wrote:
Sorry K, thanks for sharing . I think when applying for Barclays its best to change your diet of coffee for tea a good 6 months out so that they can accept /reject you with a Cheerio and a scone

Dude, I just had a Marmite sandwich and a Boddington’s Ale a few days ago!

On the bright side, it’s been a while since I had an opportunity to start a thread with such a click-bait title.

Re: Barclaycard Arrival Plus denied with 816

Remedios — Tue, 05 Feb 2019 23:05:58 GMT

So now that you know what it's like to be human...

too soon?

I'm gonna tippy toe out of here now

Re: Barclaycard Arrival Plus denied with 816

K-in-Boston — Tue, 05 Feb 2019 23:07:08 GMT

A lesser man might blame his eWife for peer pressuring him into applying.

Re: Barclaycard Arrival Plus denied with 816

Remedios — Tue, 05 Feb 2019 23:11:46 GMT

@K-in-Boston wrote:
A lesser man might blame his eWife for peer pressuring him into applying.

I forgot about that and now i feel absolutely terrible

So, when will you be below 6/24?

Re: Barclaycard Arrival Plus denied with 816

SouthJamaica — Tue, 05 Feb 2019 23:31:58 GMT

@K-in-Boston wrote:
Embarrassing is probably the wrong word. Now that I think about it, that’s insensitive to what many others here on the forums experience. More like hurt pride. I felt invincible, thinking that Capital One was my only Krypton.

Well Capital One and Barclays have something in common... two idiot banks in my book.

Re: Barclaycard Arrival Plus denied with 816

FinStar — Tue, 05 Feb 2019 23:47:24 GMT

@Remedios wrote:
Sorry, K. That's a bummer. You'll get them next time

Yes, you will.

I was contemplating this same card for a brief moment, but given what's been discussed in TPG, FT and DoC a while back, I figured this one would be out of reach for a while, so thank you for the DPs and sorry to hear about the denial. I'm at 800 (right on the dot) and I know that in it of itself won't matter (first born and other sacrificial tokens will be a moot point). It's them babies for the last 24 months that will squash my chances before I even blink an eye I'll hold off for a while.

Re: Barclaycard Arrival Plus denied with 816

pizza1 — Tue, 05 Feb 2019 23:49:48 GMT

ah man!!! ugh, so Sorry!!

I wonder if they are adopting the 5/24 rule without coming out and saying "5". Don't be embarrassed on the denial, and thank you for posting!

Re: Barclaycard Arrival Plus denied with 816

kdm31091 — Tue, 05 Feb 2019 23:49:57 GMT

@SouthJamaica wrote:
@K-in-Boston wrote:
Embarrassing is probably the wrong word. Now that I think about it, that’s insensitive to what many others here on the forums experience. More like hurt pride. I felt invincible, thinking that Capital One was my only Krypton.
Well Capital One and Barclays have something in common... two idiot banks in my book.

Not really idiot banks, just strict underwriting trying to prevent bonus churning. On a business level, I can't blame them. It still sucks getting denied though if you really want the card.

Re: Barclaycard Arrival Plus denied with 816

Gmood1 — Tue, 05 Feb 2019 23:55:23 GMT

B-town baller don't feel bad, they got me as well. Before I knew about the 6/24. It's all good. I planned to use them as you did. 😊😂

I received the same mumbo jumbo wording. Ha ha
I haven't skipped a beat because of it though. You win some and you lose some.

Re: Barclaycard Arrival Plus denied with 816

K-in-Boston — Wed, 06 Feb 2019 00:11:46 GMT

@Remedios wrote:
@K-in-Boston wrote:
A lesser man might blame his eWife for peer pressuring him into applying.
I forgot about that and now i feel absolutely terrible

So, when will you be below 6/24?

No need to feel terrible at all! LOL

I'll be down to 5/24 in October and below 5/24 in November. May as well hold out for some Chase goodness if I don't get a green checkmark first, or if something else tempting doesn't come first (like a visit to City National Bank in Manhattan with check stubs and bank statements in hand for a Crystal Visa Infinite).

Edit: In counting those down I just realized they actually didn't factor in the CSP that I'm an AU on (November 2017).