topic Re: Barclay blacklist from 2009 Chargeoff in Credit Card Applications

Barclay blacklist from 2009 Chargeoff

team_audi — Mon, 16 Mar 2015 20:38:51 GMT

Just tried to recon back door number for a Barclay rewards app and was immediately told because of the charge off, BK or not I would not be eligible for another card from Barclays. Rep confirmed it stays in there account for ALONG time and wouldn't confirm the time frame. Sucks that they blacklist like that and won't even consider an approval.

Re: Barclay blacklist from 2009 Chargeoff

Anonymous — Mon, 16 Mar 2015 21:04:52 GMT

I know we are supposed to be positive and supportive here but is this real (it sucks they blacklist)? I KNEW I had a long wait until I could get back in with AMEX because I had a C/O with them many years ago, and I didn't think it sucked and I completely understood it. If someone stiffs you are you going to loan them money again?

That said: Does anyone know if Barclay's is friendly if he paid his C/O with them?

Edit: Sorry, yes I have a case of the Mondays.

Re: Barclay blacklist from 2009 Chargeoff

CreditCuriosity — Mon, 16 Mar 2015 21:15:00 GMT

@Anonymous wrote:
I know we are supposed to be positive and supportive here but is this real (it sucks they blacklist)? I KNEW I had a long wait until I could get back in with AMEX because I had a C/O with them many years ago, and I didn't think it sucked and I completely understood it. If someone stiffs you are you going to loan them money again?

That said: Does anyone know if Barclay's is friendly if he paid his C/O with them?

Edit: Sorry, yes I have a case of the Mondays.

Haven't really read of this and I have read alot on this forum, typcally you meainly hear about Amex if you pay off you can get back in with them or sometimes even if not (probably depending on amount), but haven't seen any evidence if paying off a Barclay's burn will get you back in with them or not.

Re: Barclay blacklist from 2009 Chargeoff

ojefferyo — Mon, 16 Mar 2015 22:22:55 GMT

Haven't hear much of this either, would be interesting to get the facts

Re: Barclay blacklist from 2009 Chargeoff

Imperfectfuture — Tue, 17 Mar 2015 05:37:50 GMT

Which is why I try to advocate no BK if have majors. The one's I had charged off were not majors (though I didn't do bk at the time). Now that I have majors, time to manage the budget like hawk.

Re: Barclay blacklist from 2009 Chargeoff

ttleigh — Tue, 17 Mar 2015 09:45:10 GMT

My ch 13 was discharged June 2014. Barclays was included in mine. Around october I was approved for a cobranded Barclay card

Re: Barclay blacklist from 2009 Chargeoff

Anonymous — Tue, 17 Mar 2015 13:30:32 GMT

"My ch 13 was discharged June 2014. Barclays was included in mine. Around october I was approved for a cobranded Barclay card"

As a person who was recently denied by Barclays due to high utiltization and too many inquiries, no collections however and of course no BK...this quoted sentence just makes me furious!

Re: Barclay blacklist from 2009 Chargeoff

Anonymous — Tue, 17 Mar 2015 13:38:10 GMT

Sorry to hear that mate

Re: Barclay blacklist from 2009 Chargeoff

CreditCuriosity — Tue, 17 Mar 2015 14:33:28 GMT

Chp 13. Doesn't the creditor at least get re-paid? So I can understand why Barclay's might of been willing to forgive on that one.

I can understand the bit of anger at the high utiliz and inquiries getting a denial for barcay's on one of the above posters, but most likely it was utilization over inquiries that sunk you on the approval. Also depends on what card you were going for as well

Re: Barclay blacklist from 2009 Chargeoff

ojefferyo — Tue, 17 Mar 2015 16:58:32 GMT

@CreditCuriousity wrote:
Chp 13. Doesn't the creditor at least get re-paid? So I can understand why Barclay's might of been willing to forgive on that one.

I can understand the bit of anger at the high utiliz and inquiries getting a denial for barcay's on one of the above posters, but most likely it was utilization over inquiries that sunk you on the approval. Also depends on what card you were going for as well

Yes, it's usually a 3-5 year plan to pay off your creditors