topic Re: Pending Applications of Doom (Barclay's and AMEX) in Credit Card Applications

Pending Applications of Doom (Barclay's and AMEX)

macuserftw — Tue, 10 Mar 2015 14:15:21 GMT

My scores have been on the uptrend and for the past 3-4 years I've had very good credit habits with all accounts paid as agreed. I keep my utilization below 30% most of the time, but around the holidays it can spike up to 50% (although I always pay it back down asap). Anyway, because of these habits my FICO scores have really started to go up over the past year since I'm really working to rebuild. I decided to take the plunge and apply for my first ever AMEX (Gold Delta SkyMiles) and was approved with a $1000CL. I was ecstatic!

I also applied for the AMEX EveryDay (love the rewards system for this card), but the application was frozen due to their system flagging it as a duplicate request. I called AMEX and verified that I intentionally applied for this card - and they unlocked the app, but the CSR advised there would be a 3-4 day security hold in place regardless. I'm currently on Day 4 and AMEX still lists my EveryDay application as "In Progress". The suspense is killing me! Anyone else have any experience with this? Are my odds of approval better since I was already approved for another AMEX?

Also, I'll admit I became a little cocky and app'ed for the Sallie Mae card from Barclay. The cash back rewards on groceries, gas, and books (Amazon included in this) are too good to pass up. After applying I wasn't auto-denied, but instead given the "Your application requires further review, etc." When checking the app status through Barclay's website, the status lists "Pended." It's been two days. Once again, the suspense sucks. I've been denied by Barclay before though so, at this point I'm not holding out much hope for this card.

Re: Pending Applications of Doom (Barclay's and AMEX)

CreditCuriosity — Tue, 10 Mar 2015 14:25:21 GMT

Call barclay's recon listed in the sticky's and see what they have to say and be prepared to recon, although if those are your current scores in your signature, I woulnd't expect much, but it isn't a flat out denial which is good!

Barclays: 866-408-4064 (Credit Analyst)

Regarding the Amex not really sure what to expect on your ED card, you should of waited a few more months for another revolver to show them some history hence a higher starting line if approved, but what is done is done and wish you the best!

Re: Pending Applications of Doom (Barclay's and AMEX)

SecretAzure — Tue, 10 Mar 2015 14:31:50 GMT

From what I've learned here on these wonderful forums is, anytime you're doing anything with Barclay, call the recon line.

Received 7-10 notification? Call recon.

Got approved and want more? Call recon.

Received an auto-CLI and want more? Call recon.

Have a customer service issue? Call recon. (Okay, this one is a joke)

Barclay is really good for this reason, they speak really good engish when you call, answer very fast, are very understanding, professional, and courteous. I just got my first Barclay this weekend and was approved for $5K, called recon and was bumped up to $8.5K. Talk about starting off on the right foot. Thanks to this forum I knew I could do this. IDK what to tell you about Amex besides good luck!

Re: Pending Applications of Doom (Barclay's and AMEX)

macuserftw — Tue, 10 Mar 2015 14:49:33 GMT

Thanks for the information! I'll definitely call Barclay's recon line here in a bit to see what's going on. Judging on what others have posted about the Sallie Mae card, I'm not very hopeful on an approval at this point, but at least I wasn't immediately denied.

With the AMEX EveryDay I'll just cross my fingers and wait and see. I would love to have this card, but if I'm denied I won't be too upset. At least I have my foot in the door by getting that Delta SkyMiles card. A year of babied use while staying in the garden should have me ready to try again in the future.

I'll admit I got ahead of myself. I saw the initial approval from AMEX and thought I could start an app spree for prime cards because of it. *sigh*

Re: Pending Applications of Doom (Barclay's and AMEX)

SecretAzure — Tue, 10 Mar 2015 14:52:29 GMT

@macuserftw wrote:
Thanks for the information! I'll definitely call Barclay's recon line here in a bit to see what's going on. Judging on what others have posted about the Sallie Mae card, I'm not very hopeful on an approval at this point, but at least I wasn't immediately denied.

With the AMEX EveryDay I'll just cross my fingers and wait and see. I would love to have this card, but if I'm denied I won't be too upset. At least I have my foot in the door by getting that Delta SkyMiles card. A year of babied use while staying in the garden should have me ready to try again in the future.

I'll admit I got ahead of myself. I saw the initial approval from AMEX and thought I could start an app spree for prime cards because of it. *sigh*

It's okay, we all are learning from out mistakes and come here to try and make less of them in the future!

Re: Pending Applications of Doom (Barclay's and AMEX)

Anonymous — Tue, 10 Mar 2015 16:45:22 GMT

@macuserftw wrote:
Thanks for the information! I'll definitely call Barclay's recon line here in a bit to see what's going on. Judging on what others have posted about the Sallie Mae card, I'm not very hopeful on an approval at this point, but at least I wasn't immediately denied.

With the AMEX EveryDay I'll just cross my fingers and wait and see. I would love to have this card, but if I'm denied I won't be too upset. At least I have my foot in the door by getting that Delta SkyMiles card. A year of babied use while staying in the garden should have me ready to try again in the future.

I'll admit I got ahead of myself. I saw the initial approval from AMEX and thought I could start an app spree for prime cards because of it. *sigh*

Jealous of your Delta Amex I app'ed in January and was declined

Re: Pending Applications of Doom (Barclay's and AMEX)

TRC_WA — Tue, 10 Mar 2015 17:23:41 GMT

OP,

With your scores in your sig I would say your chances of Sallie Mae aren't good. You may be able to recon and get a small limit however.

I got my foot in the door with the Barclays Apple... used it 16 months to build a relationship and then was instantly approved for a $6700 Sallie Mae. Sometimes you gotta take baby steps...

Re: Pending Applications of Doom (Barclay's and AMEX)

macuserftw — Tue, 10 Mar 2015 17:28:02 GMT

I would like to build that sort of relationship with Barclay. Would I even have a chance at the Apple card?

Re: Pending Applications of Doom (Barclay's and AMEX)

TRC_WA — Tue, 10 Mar 2015 17:31:12 GMT

@macuserftw wrote:
I would like to build that sort of relationship with Barclay. Would I even have a chance at the Apple card?

A lot better chance than you do of getting Sallie Mae.

Re: Pending Applications of Doom (Barclay's and AMEX)

baller4life — Tue, 10 Mar 2015 18:02:21 GMT

Re: Pending Applications of Doom (Barclay's and AMEX)

macuserftw — Tue, 10 Mar 2015 22:24:25 GMT

Well, I called the recon line for Barclay and spoke to a really helpful CSR. As predicted, I was declined for the Sallie Mae card. Their reasoning behind the denial was the fact that while I've had great credit behavior recently - it's not long enough.

I figure I'll keep up with the good rebuilding habits while staying in the garden for at least a year. Depending on where I stand then, I'll take another shot at reapplying.

Now the AMEX EveryDay app is still "In Progress" so, I'll just have to wait and see with that one. Fingers crossed!

Re: Pending Applications of Doom (Barclay's and AMEX)

Anonymous — Tue, 10 Mar 2015 23:18:46 GMT

I predict that the ED will be an approval with a small opening line.

Re: Pending Applications of Doom (Barclay's and AMEX)

macuserftw — Tue, 10 Mar 2015 23:31:41 GMT

I sure hope you're right, lol.

Re: Pending Applications of Doom (Barclay's and AMEX)

macuserftw — Wed, 11 Mar 2015 19:50:45 GMT

Still listed as "In Progress" for the EveryDay card. This waiting is killing me! I'm on Day 5 and I'm almost tempted to call their New Accounts line to see what's going on.

Re: Pending Applications of Doom (Barclay's and AMEX)

Anonymous — Wed, 11 Mar 2015 23:21:05 GMT

Dude relax, same scenario here with Amex, same cards and I was approved on day 6. Less than a month later I applied for the prg and got it. Three weeks now and I've put 19k on the prg with no issues.

You'll be approved.

Re: Pending Applications of Doom (Barclay's and AMEX)

CreditCuriosity — Wed, 11 Mar 2015 23:53:38 GMT

Or just call

Re: Pending Applications of Doom (Barclay's and AMEX)

Anonymous — Thu, 12 Mar 2015 01:52:47 GMT

@macuserftw wrote:
Still listed as "In Progress" for the EveryDay card. This waiting is killing me! I'm on Day 5 and I'm almost tempted to call their New Accounts line to see what's going on.

I feel your pain... I'm also "In Progress" limbo after going for the Everday then shooting for the BCE a day later. It's been 5 days(3 business days) now. Called on Tuesday and they said to give it 48hrs. arghh, the AMEX struggle is real.

Re: Pending Applications of Doom (Barclay's and AMEX)

Anonymous — Thu, 12 Mar 2015 17:29:03 GMT

@macuserftw wrote:
I sure hope you're right, lol.

what's it looking like today?

Re: Pending Applications of Doom (Barclay's and AMEX)

macuserftw — Thu, 12 Mar 2015 17:41:06 GMT

Called their New Accounts line and spoke to an analyst yesterday after work. She instantly denied me for the EveryDay card and wouldn't even provide reasoning as to why. She just said the reasons for denial would be mailed to me and then hung up.

Anyway, I waited a little bit and called back to possibly recon and spoke to a much nicer sounding rep, who advised me to earn some good history with AMEX and then try again in the future when they can be assured I have good habits. I mentioned wanting a nice points/reward card and he recommended the AMEX Green card. I applied for that and was instantly approved. Charge card so, no preset limit - which is awesome for utilitization. I realize the Green card doesn't have the best rewards system - no signing bonus with a reward of 1 Point / 1 Dollar, but the annual fee isn't too bad and that was waived for the first year. Now I have two AMEX cards to carefully garden and I'll try applying for something better 6-12 months from now.

Re: Pending Applications of Doom (Barclay's and AMEX)

Anonymous — Thu, 12 Mar 2015 17:54:35 GMT

perhaps not what you wanted but if you ask me, once you have a foot in the door with them, you're family. Treat them right and you'll have a platinum in your wallet next year.

I mean, looking at your signature your cards go from honey boo boo to shirley temple... one step at a time.