topic Re: Denied by Barclay in Credit Card Applications

Denied by Barclay

NTCCole — Sun, 17 Mar 2019 06:03:49 GMT

I applied for the Choice Privileges Visa Signiture card with Barclay just knowing I would get approved with a score in the upper 730's with all bureau's. I got a big slap in the face instead lol. When I called the recon line they brought up something from over 10 years ago but also told me I don't have enough history. It was really weird.

Re: Denied by Barclay

Jnbmom — Sun, 17 Mar 2019 07:22:15 GMT

Did you ever default on a barclays account or IIB? If so they basically blacklist you for about an enterity.

Re: Denied by Barclay

NTCCole — Sun, 17 Mar 2019 08:58:36 GMT

No I never had an account with Barclay.

Re: Denied by Barclay

Anonymous — Sun, 17 Mar 2019 11:40:40 GMT

OP—Without knowing more about the “something from over 10 years ago” and your personal stats and any derogs you may have it will be difficult for anyone to try and help you better understand the denial.

Re: Denied by Barclay

Anonymous — Sun, 17 Mar 2019 12:12:34 GMT

@NTCCole wrote:
I applied for the Choice Privileges Visa Signiture card with Barclay just knowing I would get approved with a score in the upper 730's with all bureau's. I got a big slap in the face instead lol. When I called the recon line they brought up something from over 10 years ago but also told me I don't have enough history. It was really weird.

Don't leave us in suspense here. How old is your history?

Re: Denied by Barclay

Anonymous — Sun, 17 Mar 2019 12:27:27 GMT

@NTCCole wrote:
I applied for the Choice Privileges Visa Signiture card with Barclay just knowing I would get approved with a score in the upper 730's with all bureau's. I got a big slap in the face instead lol. When I called the recon line they brought up something from over 10 years ago but also told me I don't have enough history. It was really weird.

"Something from over 10 years ago" should not still be on your credit reports. A Chapter 7 bankruptcy remains for 10 years but should be automatically removed once 10 years elapse. The only other possibility is that Barclays looked at their internal records which they can keep for as long as they want but considering that you claimed you never had a Barclays account that is unlikely.

Re: Denied by Barclay

Brian_Earl_Spilner — Sun, 17 Mar 2019 12:38:15 GMT

There's a possibility that a portfolio was bought by Barclays which put you on their blacklist. Chase does that with Washington Mutual cards.

Re: Denied by Barclay

morgacj2004 — Sun, 17 Mar 2019 20:55:39 GMT

10 years is a long time ago even with BC. Call back and recon again. Sometimes you need to recon multiple times to get the right answer.

Re: Denied by Barclay

Blackswizz750 — Sun, 17 Mar 2019 21:10:09 GMT

Maybe you had Juniper Bank. Barclay's bought them around 08-09. I can't see them bringing up anything else unless it was a BK.

Re: Denied by Barclay

NTCCole — Mon, 18 Mar 2019 01:56:48 GMT

Thank you all for your replies. My actual history is only 2 years old and sorry for not being more specific. The woman on the line told me I first applied for credit over 10 years ago which was false but that wouldnt be a reason to deny my app. Don't know why she brought it up. Also, when I got the alert is said the pull was Extensive.

Re: Denied by Barclay

Priory_Man — Mon, 18 Mar 2019 11:17:33 GMT

@NTCCole wrote:
Thank you all for your replies. My actual history is only 2 years old and sorry for not being more specific. The woman on the line told me I first applied for credit over 10 years ago which was false but that wouldnt be a reason to deny my app. Don't know why she brought it up. Also, when I got the alert is said the pull was Extensive.

How about you share some more stats with us.

How many current CC's do you have. What age is the oldest card, how old is your newest? Are you carrying balances on your cards, etc. Have you recently just got a new loan of any type? That sort of thing.

We all are here to help figure this out with you, but, from what you have given us it's going to be a bit difficult.

As you can see by most of the signatures on here we are not bashful about what info we share

Re: Denied by Barclay

Brian_Earl_Spilner — Tue, 19 Mar 2019 04:02:46 GMT

@NTCCole wrote:
Thank you all for your replies. My actual history is only 2 years old and sorry for not being more specific. The woman on the line told me I first applied for credit over 10 years ago which was false but that wouldnt be a reason to deny my app. Don't know why she brought it up. Also, when I got the alert is said the pull was Extensive.

It's actually a very good reason to deny you. If you're history is only 2 years old but they see record of a 10 year old app, then there could be fraud.

Re: Denied by Barclay

NTCCole — Wed, 20 Mar 2019 01:26:23 GMT

Yeah I will just chalk it up and hopefully they will have some better offers when I get some more history.