topic Re: Barclays###!!! Argh. Problems with DGF application in Credit Card Applications

Barclays###!!! Argh. Problems with DGF application

Anonymous — Mon, 12 Jan 2015 16:07:14 GMT

After having been approved for the U.S. Airway 50K card I had my gf apply for the card on Friday. Got the 7-10 day message but when I checked the application status it said declined. Have her call recon and they are telling her that she was declined because she didn't meet the 'level' requirements for the card and they didn't even HP her ( I checked and they didn't). She doesn't know much because I'm the one who applied for her so she hangs up with them. I explain to her that there are no levels to this card and the explanation given makes no sense. Have her call back again and the second CSR tells her the same thing but explains that the levels are not from Barclays but she doesn't meet the level requirement with USAir and she needs to deal with them.

I know this is BS because I had just signed up with USAir prior to applying and have 0 miles with them (other than from the card). They also told her that she can't reapply for 30 days. Im not sure what next step to take. There is no level requirement of any kind for this card so no clue what's going on.

Thoughts and suggestions?

Re: Barclays###!!! Argh. Problems with DGF application

chalupaman — Mon, 12 Jan 2015 16:21:14 GMT

@Anonymous wrote:
After having been approved for the U.S. Airway 50K card I had my gf apply for the card on Friday. Got the 7-10 day message but when I checked the application status it said declined. Have her call recon and they are telling her that she was declined because she didn't meet the 'level' requirements for the card and they didn't even HP her ( I checked and they didn't). She doesn't know much because I'm the one who applied for her so she hangs up with them. I explain to her that there are no levels to this card and the explanation given makes no sense. Have her call back again and the second CSR tells her the same thing but explains that the levels are not from Barclays but she doesn't meet the level requirement with USAir and she needs to deal with them.

I know this is BS because I had just signed up with USAir prior to applying and have 0 miles with them (other than from the card). They also told her that she can't reapply for 30 days. Im not sure what next step to take. There is no level requirement of any kind for this card so no clue what's going on.

Thoughts and suggestions?

Call the 24/7 recon line and tell them everything here and if they tell you the same pile of BS, keep trying until you get an answer. Sorry Barclays customer service is really letting you and your GF down right now.

Re: Barclays###!!! Argh. Problems with DGF application

Anonymous — Mon, 12 Jan 2015 16:24:44 GMT

@chalupaman wrote:
@Anonymous wrote:
After having been approved for the U.S. Airway 50K card I had my gf apply for the card on Friday. Got the 7-10 day message but when I checked the application status it said declined. Have her call recon and they are telling her that she was declined because she didn't meet the 'level' requirements for the card and they didn't even HP her ( I checked and they didn't). She doesn't know much because I'm the one who applied for her so she hangs up with them. I explain to her that there are no levels to this card and the explanation given makes no sense. Have her call back again and the second CSR tells her the same thing but explains that the levels are not from Barclays but she doesn't meet the level requirement with USAir and she needs to deal with them.

I know this is BS because I had just signed up with USAir prior to applying and have 0 miles with them (other than from the card). They also told her that she can't reapply for 30 days. Im not sure what next step to take. There is no level requirement of any kind for this card so no clue what's going on.

Thoughts and suggestions?
Call the 24/7 recon line and tell them everything here and if they tell you the same pile of BS, keep trying until you get an answer. Sorry Barclays customer service is really letting you and your GF down right now.

Barclays: 866-408-4064 (Credit Analyst) Is the number I've had her call. Usually they are great. No clue where they are coming up with this excuse

Re: Barclays###!!! Argh. Problems with DGF application

jsucool76 — Mon, 12 Jan 2015 16:28:24 GMT

@Anonymous wrote:
After having been approved for the U.S. Airway 50K card I had my gf apply for the card on Friday. Got the 7-10 day message but when I checked the application status it said declined. Have her call recon and they are telling her that she was declined because she didn't meet the 'level' requirements for the card and they didn't even HP her ( I checked and they didn't). She doesn't know much because I'm the one who applied for her so she hangs up with them. I explain to her that there are no levels to this card and the explanation given makes no sense. Have her call back again and the second CSR tells her the same thing but explains that the levels are not from Barclays but she doesn't meet the level requirement with USAir and she needs to deal with them.

I know this is BS because I had just signed up with USAir prior to applying and have 0 miles with them (other than from the card). They also told her that she can't reapply for 30 days. Im not sure what next step to take. There is no level requirement of any kind for this card so no clue what's going on.

Thoughts and suggestions?

Call again. Sounds like a misinformed CSR.

Keep tryin.

Re: Barclays###!!! Argh. Problems with DGF application

kdm31091 — Mon, 12 Jan 2015 16:30:23 GMT

While the explanation may be bs, you are not always going to be approved for every single thing you apply for. Some things are declined, period, no matter who you call and how many times. They don't "owe" you the card. They can decline you for any reason they want.

Now, I think this reason sounds like total nonsense, and you should definitely be calling to recon, but I wouldn't necessarily expect them to overturn it just because. Maybe they just don't want to extend the credit right now. We've all be declined for silly reasons before, and had to live with it and try again later. Don't stress too much over it.

Good luck and I hope you can get it approved

Re: Barclays###!!! Argh. Problems with DGF application

Anonymous — Mon, 12 Jan 2015 16:35:37 GMT

@kdm31091 wrote:
While the explanation may be bs, you are not always going to be approved for every single thing you apply for. Some things are declined, period, no matter who you call and how many times. They don't "owe" you the card. They can decline you for any reason they want.

Now, I think this reason sounds like total nonsense, and you should definitely be calling to recon, but I wouldn't necessarily expect them to overturn it just because. Maybe they just don't want to extend the credit right now. We've all be declined for silly reasons before, and had to live with it and try again later. Don't stress too much over it.

Good luck and I hope you can get it approved

I get it that no one is entitled to credit but there is absolutely no reason for her to be declined. What you are missing is that they didn't even process her application or pull her credit and the reason they are giving doesn't exist, so it's not a 'silly' reason, its a complete fabrication. Given that this card has a short life expectancy and that she's being told that she can't apply again for 30 days, I think this is a tad bit different than normal 'declines'. If they were telling her that her credit isn't good enough, too many inquiries or whatever Id accept it and move on but that's not the case.

Re: Barclays###!!! Argh. Problems with DGF application

boosnark — Mon, 12 Jan 2015 16:36:18 GMT

If you have a copy of the application you may want to review it again to make sure that there is nothing in there that may look out of place (or even erroneous) that would typically result in a denial even before an automated hard pull. US Air does not underwrite the application so the reason given is a bit strange. A minimum $5000 limit in this World MC will typically back out to a minimum income based on some sort of percentage utilization. Sounds like their computers killed the application even before a hard pull was initiated.

Re: Barclays###!!! Argh. Problems with DGF application

kdm31091 — Mon, 12 Jan 2015 16:36:49 GMT

I agree it's a bit fishy that they didn't even pull her credit....I'm sorry I did originally miss that. Does she have another card with them?

Re: Barclays###!!! Argh. Problems with DGF application

Anonymous — Mon, 12 Jan 2015 16:39:29 GMT

@kdm31091 wrote:
I agree it's a bit fishy that they didn't even pull her credit....I'm sorry I did originally miss that. Does she have another card with them?

No, just an AU on mine of the same card

Re: Barclays###!!! Argh. Problems with DGF application

kdm31091 — Mon, 12 Jan 2015 16:40:48 GMT

I was just thinking maybe if she did have another account w them, they decided she was overexposed without pulling the report. But that is probably not the case. However since you were just approved for US Airways, that could very well be what is throwing it off, since she is connected to one of your accounts with them.

Re: Barclays###!!! Argh. Problems with DGF application

Anonymous — Mon, 12 Jan 2015 16:40:26 GMT

They owe her a card and 50,000 extra points for the trouble. HUCA until you get favorable results.

Re: Barclays###!!! Argh. Problems with DGF application

Anonymous — Mon, 12 Jan 2015 16:41:23 GMT

@Irish80,

Agree.. Call again and have them review the app. Keep us posted.

Re: Barclays###!!! Argh. Problems with DGF application

Anonymous — Mon, 12 Jan 2015 16:43:55 GMT

@Anonymous wrote:
@Anonymous,

Agree.. Call again and have them review the app. Keep us posted.

She's going to when she gets back from grocery shopping. She's not very good on the phone and tends to give up too quickly. Almost wish I could take the phone from her and deal with them 😀

Re: Barclays###!!! Argh. Problems with DGF application

kdm31091 — Mon, 12 Jan 2015 16:46:05 GMT

Well to be fair they didn't even do a HP, so other than annoyance this hasn't cost her anything. I don't think it follows that they owe her a card (or extra points) for this trouble, because with that logic, anyone who applies for something and has to recon deserves an approval and special treatment, which we all know does not always happen -- some recons are still denials.

What I think they do owe her is a logical explanation, perhaps a HP and manual review of her report, and a decision based on that -- not just a decision based on nothing, which is where they appear to be now. Although like I said, OP's recent approval and connection w/ her as an AU could be a reason.

Now, in order to not sound like I am insensitive, I want to make it clear that I hope the OP gets it fixed and gets it approved, but I don't think the logic of "well since it wasn't instant approved they owe her a card and a bonus!" is really fair. I am on the OP's side however in that this needs to be sorted out, whatever the outcome ends up being.

Re: Barclays###!!! Argh. Problems with DGF application

Anonymous — Mon, 12 Jan 2015 17:20:16 GMT

I think Nixon was being facetious but I agree that they dont owe her a card but I do think they should have to give her a reasonable explanation as to why they won't even process it and why she cant even try again for 30 days. You might be right about the whole AU thing but that's something they should be able to fix and still process her application. Something in their computers picked up a problem but an intelligent analyst should be able to correct it and not spout some bs reason and try to lay the problem on USAir. Heck, you can apply for the card and be approved without even being a member of USAir's mileage program.

Re: Barclays###!!! Argh. Problems with DGF application

kdm31091 — Mon, 12 Jan 2015 16:59:00 GMT

I think that it's weird they want to pin it on USAir when clearly, USAir is not issuing the credit.

Re: Barclays###!!! Argh. Problems with DGF application

Creditaddict — Mon, 12 Jan 2015 17:10:15 GMT

have her call and give her information and then say I'm going to give the phone to my husband, bf, cat, to talk to you... you have my permission to disclose financial and credit information to them... thank you and you take it over.... put it on speaker phone if they want her to answer more things.

Re: Barclays###!!! Argh. Problems with DGF application

Anonymous — Mon, 12 Jan 2015 17:19:27 GMT

@Creditaddict wrote:
have her call and give her information and then say I'm going to give the phone to my husband, bf, cat, to talk to you... you have my permission to disclose financial and credit information to them... thank you and you take it over.... put it on speaker phone if they want her to answer more things.

@+1.. @Anonymous, I think you should do as CA suggested. That will be the best way to have the tenacity to deal with them. The recon game is built for people with thick skins

Re: Barclays###!!! Argh. Problems with DGF application

joltdude — Mon, 12 Jan 2015 17:37:27 GMT

Iv done what CA suggested for a family members card.. Actually BOA sort of tricked me into it, but thats exactly how it went down...

Thats why I prefer dealing with online support if possible.. none of the handing off for authorization stuff...

-J

Re: Barclays###!!! Argh. Problems with DGF application

Anonymous — Mon, 12 Jan 2015 17:48:13 GMT

Its seems that the 50K preferred link is causing all kinds of confusion.