topic Re: Barcalys Pre-Selected but Declined in Credit Card Applications

Barcalys Pre-Selected but Declined

Anonymous — Wed, 23 Sep 2015 02:15:56 GMT

Not very happy with Barclays, they sent me this letter in the mail saying im "pre-selected" with a personal id code. So I call in and they give me their lingo then tell me I was declined, I am not very happy with them because I would not have applied for the card and wasted a hit on my credit if they didn't send me all this "pre-selected" false paperwork!

Re: Barcalys Pre-Selected but Declined

Wovenyarn — Wed, 23 Sep 2015 02:16:42 GMT

I'm sorry to hear about the decline. Which report did they pull? Was it TU?

Re: Barcalys Pre-Selected but Declined

CreditCuriosity — Wed, 23 Sep 2015 02:30:13 GMT

Call this number and ask them to reconsider your recent application that was denied. Best of luck, this # is 24 hours. Be prepared to answer questions that they might have on your CR such as lates, CA, CO's, etc... As long as you have some decent responses Barclay's is known to be decent on reconning. If it doesn't work the first time try again an hour later and so on. Good luck!

866-408-4064

Re: Barcalys Pre-Selected but Declined

Anonymous — Wed, 23 Sep 2015 02:21:00 GMT

Im not sure, Im in NY and did not recieve the notice in the mail yet.

Re: Barcalys Pre-Selected but Declined

Callandra — Wed, 23 Sep 2015 02:29:17 GMT

Sorry you got declined but pre-selected/pre-qualified/etc. are never a 100% guarantee. Those mailers tend to be marketing only. I agree that you should call the recon line; if you have 6-12 months of current positive credit history, you should be able to squeak in. Good luck.

Re: Barcalys Pre-Selected but Declined

Anonymous — Wed, 23 Sep 2015 02:58:45 GMT

Did it have a set APR or a range? Give them a call to recon.

Re: Barcalys Pre-Selected but Declined

Anonymous — Wed, 23 Sep 2015 03:00:36 GMT

Barclays Rewards MC was my first credit card after 13 years of going without. It was recommended by Credit Karma when I had a near 800 score. They soft pulled me like crazy. I didn't need a nanny looking over me so intensely so I called and cancelled the card after I got my foot in the door with most of the big boy banks. After a year and 3 months I have a total of 14 credit cards and my scores are nearly what they were when I started. Those FACO sites give bad advice also.

Re: Barcalys Pre-Selected but Declined

Anonymous — Wed, 23 Sep 2015 03:23:18 GMT

@Anonymous wrote:
Barclays Rewards MC was my first credit card after 13 years of going without. It was recommended by Credit Karma when I had a near 800 score. They soft pulled me like crazy. I didn't need a nanny looking over me so intensely so I called and cancelled the card after I got my foot in the door with most of the big boy banks. After a year and 3 months I have a total of 14 credit cards and my scores are nearly what they were when I started. Those FACO sites give bad advice also.

I hear you on that! for me it was 15+ years without, and yes SP way too much! I just did a BT from them to my Discover, want to see their reaction to all my new accounts and that BT! With my big 1000.00 CL they gave me, they can close it if they want! If they don't, I plan to do so around this time next year,

OP, do try the recon, if you want this card, that is something they seem to be good about.

Re: Barcalys Pre-Selected but Declined

Anonymous — Wed, 23 Sep 2015 05:27:37 GMT

Pre-selected does not mean guaranteed approval. Tough lesson learned but as others have said they are great with recons. My first and only card with them was approved through recon which I still have.

Re: Barcalys Pre-Selected but Declined

kdm31091 — Wed, 23 Sep 2015 11:37:39 GMT

You can try and recon. They are accomodating if your profile supports an approval. Sometimes just talking to an actual person is the key.

As mentioned, Barclay does seem to "watch over" cardholders in general, although AA/CLD doesn't happen as a random choice. Personally, I don't really worry about it. If they ever close my Upromise card for whatever reason so be it, it's an online shopping card, not exactly my daily driver.

Re: Barcalys Pre-Selected but Declined

Anonymous — Fri, 02 Oct 2015 04:47:51 GMT

Guess what came in the mail today? Another pre-qual, yup not falling for that again!

Re: Barcalys Pre-Selected but Declined

OmarGB9 — Fri, 02 Oct 2015 05:00:10 GMT

Yea those are mostly marketing sadly.

Re: Barcalys Pre-Selected but Declined

Anonymous — Fri, 02 Oct 2015 14:08:29 GMT

@Anonymous wrote:
Not very happy with Barclays, they sent me this letter in the mail saying im "pre-selected" with a personal id code. So I call in and they give me their lingo then tell me I was declined, I am not very happy with them because I would not have applied for the card and wasted a hit on my credit if they didn't send me all this "pre-selected" false paperwork!

Sorry to be blunt but pre-selected is not pre-approved. There are plenty of the same scenarios posted here with a search.

Re: Barcalys Pre-Selected but Declined

Anonymous — Fri, 02 Oct 2015 14:15:54 GMT

These "Prequalified Mailers" should be illegal. They flat our mislead you into thinking you will be approved. This is border line bait and switch or fraud. They even have words like "PreApproved" & "Reserved only for you" & "You are only one of a very select few". This is purposely misleading into making you believe you are approved. If you did this to a bank and misled them or lied your account at minimum would be canceled at the most they would prosecute you for bank fraud or "Lying under oath". That statement on every financial document you sign.

This is crazy. ONLY in the good ol US of A is this crap legal. I feel your disgust bro. Sorry this happened to you. Its tha bank in the wrong NOT you.

Re: Barcalys Pre-Selected but Declined

wvgirl_sunshine — Fri, 02 Oct 2015 14:21:47 GMT

I applied for barclays card also because Credit Karma said my changes were Very Good getting approved. All I got was a hard pull on my credit which stays for 2 years. I will never fall for that again.

I have since got approved for a marathon gas card, and a Visa with a 3500 limit..That's all I need.

Re: Barcalys Pre-Selected but Declined

Anonymous — Fri, 02 Oct 2015 22:34:52 GMT

Did it list an exact APR or not? I would recon once or twice if you have to, and really need the card. Otherwise look at why they denied you and work on that.

Next time you app for barclays, assuming your AAOA isnt less than 1 year, you can always combine apps with them.

My advice, if denied after 2 recons, wait 6 months, work on what they mention, then pick 2 barclays products, app for both on a weekday morning.

Re: Barcalys Pre-Selected but Declined

morgacj2004 — Sat, 03 Oct 2015 00:06:36 GMT

Jfriend33 wrote " My advice, if denied after 2 recons, wait 6 months, work on what they mention, then pick 2 barclays products, app for both on a weekday morning"

Just curious why a weekday morning?

Re: Barcalys Pre-Selected but Declined

Anonymous — Sat, 03 Oct 2015 01:11:38 GMT

@morgacj2004 wrote:
Jfriend33 wrote " My advice, if denied after 2 recons, wait 6 months, work on what they mention, then pick 2 barclays products, app for both on a weekday morning"

Just curious why a weekday morning?

just to prevent any chances of something being held up and then UW is closed then you end up not getting the 2 apps done on the same day, thus defeating the purpose of combining inquiries.