topic Re: OMG BARCLAYS APPROVAL!! in Credit Cards

OMG BARCLAYS APPROVAL!!

2DOORIMPALA — Thu, 09 Dec 2010 16:59:32 GMT

I've never been able to get a recon and i apped for a BJ's card and was declined. Today i called and she actually approved me for $2000!! This is huge for me considering my highest limit is $750. I'm going to transfer a few balances to this card because it's 0% for months. Thanks everyone for giving me the information to do this! Barclays is easy to recon!

Re: OMG BARCLAYS APPROVAL!!

Anonymous — Thu, 09 Dec 2010 17:02:29 GMT

Congrats! Barclays is indeed very easy to recon!

Re: OMG BARCLAYS APPROVAL!!

Breakthecycle2 — Thu, 09 Dec 2010 17:29:04 GMT

@2DOORIMPALA wrote:
I've never been able to get a recon and i apped for a BJ's card and was declined. Today i called and she actually approved me for $2000!! This is huge for me considering my highest limit is $750. I'm going to transfer a few balances to this card because it's 0% for months. Thanks everyone for giving me the information to do this! Barclays is easy to recon

Congrats on the approval! What were your scores if you don't mind me asking? How many inquiries? Any baddies?

Re: OMG BARCLAYS APPROVAL!!

2DOORIMPALA — Thu, 09 Dec 2010 17:33:48 GMT

My scores are actually in the 590's.. no baddies quite a bit of inquiries. Im never approved for cards anymore and this one shocked me. If you got declined from barclays i urge you to call the backdoor number.

Re: OMG BARCLAYS APPROVAL!!

mross1080 — Thu, 09 Dec 2010 18:42:39 GMT

Congrats!

Re: OMG BARCLAYS APPROVAL!!

Breakthecycle2 — Thu, 09 Dec 2010 19:28:46 GMT

@2DOORIMPALA wrote:
My scores are actually in the 590's.. no baddies quite a bit of inquiries. Im never approved for cards anymore and this one shocked me. If you got declined from barclays i urge you to call the backdoor number.

Sorry for all the questions, but I am thinking about applying. Is that your FICO score? How many inq. would you say?

Re: OMG BARCLAYS APPROVAL!!

Gibran — Thu, 09 Dec 2010 20:33:20 GMT

Congrats!!

I agree Barclay's are very good on recons, I app'd for the travelocity amex and got denied, called the backdoor number, spoke with a credit analyst, and was then approved afteransewring a few questions..

Re: OMG BARCLAYS APPROVAL!!

2DOORIMPALA — Thu, 09 Dec 2010 20:44:39 GMT

yeah those were fico... i think my transunion inq at the time was 7? That was including two barclays

Re: OMG BARCLAYS APPROVAL!!

Breakthecycle2 — Thu, 09 Dec 2010 20:51:14 GMT

@2DOORIMPALA wrote:
yeah those were fico... i think my transunion inq at the time was 7? That was including two barclays

Im nervous to apply lol

Re: OMG BARCLAYS APPROVAL!!

pazuzu — Thu, 09 Dec 2010 20:57:01 GMT

Can anyone guess why so many consumers get instant declines then get recon approvals?

Re: OMG BARCLAYS APPROVAL!!

Anonymous — Thu, 09 Dec 2010 21:14:54 GMT

What type of questions was asked? I applied 6 months ago, plain to apply again next year (Q1).

Only because I plain to buy a new desktop and laptop (Both are 4 years old), and I rather split the payments into 4 instead of 1 with there finance deal.

Re: OMG BARCLAYS APPROVAL!!

Creditaddict — Thu, 09 Dec 2010 21:16:14 GMT

@pazuzu wrote:
Can anyone guess why so many consumers get instant declines then get recon approvals?

Barclays has the system set very sensitive to util and inq is why I feel everyone gets declined.

Back when they were issuing the Bank Atlantic Business card, My mom was instantly approved for 20k, my dad who had more debt but a higher score got instantly denied.

and recon seem to depend on the underwriter you get and how they view credit

Re: OMG BARCLAYS APPROVAL!!

2DOORIMPALA — Thu, 09 Dec 2010 21:23:55 GMT

I just hope they are BSing me around with the credit limit and CLD it in a few weeks like i hear they like to do.

Re: OMG BARCLAYS APPROVAL!!

Creditaddict — Thu, 09 Dec 2010 21:28:58 GMT

I actually have not heard of Barclays CLD since at least last year in the credit crunch.

Re: OMG BARCLAYS APPROVAL!!

2DOORIMPALA — Thu, 09 Dec 2010 21:32:10 GMT

thats good. I noticed all those threads were older were people were complaining about that.

Re: OMG BARCLAYS APPROVAL!!

GTOflyer — Thu, 09 Dec 2010 21:38:51 GMT

@Gibran wrote:
Congrats!!

I agree Barclay's are very good on recons, I app'd for the travelocity amex and got denied, called the backdoor number, spoke with a credit analyst, and was then approved afteransewring a few questions..

What kind of questions do they usually ask during a recon call?

Re: OMG BARCLAYS APPROVAL!!

Creditaddict — Thu, 09 Dec 2010 21:41:35 GMT

@GTOflyer wrote:

@Gibran wrote:
Congrats!!

I agree Barclay's are very good on recons, I app'd for the travelocity amex and got denied, called the backdoor number, spoke with a credit analyst, and was then approved afteransewring a few questions..
What kind of questions do they usually ask during a recon call?

what you make

rent payment

why so many inq

why so much debt

plans for this card

it kind of depends what's on your credit report, what they are going to want to question you about.

Re: OMG BARCLAYS APPROVAL!!

Datx — Thu, 09 Dec 2010 21:48:36 GMT

@GTOflyer wrote:

What kind of questions do they usually ask during a recon call?

I guess it just depends on what you have on your credit report and which credit analyst you get. I was asked about my BOA account and why I let it go to collections and charge off before I paid it off. Then what amount I was looking to spend with Apple (My app was for the Apple Financing Visa card) and how do I intend to pay the amount back. Asked for income info, what I did for a living and etc. How long I been employed for. And that was about it. He saw that I had also a 5K CC from NFCU and said he is going to approve me.

Im not going to lie, I was nervous when I called. It was the first time I ever called for a recon and the guy I spoke to was nice and professional. He made it easy for me to talk to him about some of the credit issues I had in the past and was able to get me approved.

Re: OMG BARCLAYS APPROVAL!!

2DOORIMPALA — Thu, 09 Dec 2010 21:48:40 GMT

I didnt let her ask any questions except one. She asked how much i try and pay on my credit cards. I said at least double the minium payment. I told her about my inq and high util. She was very friendly.

Re: OMG BARCLAYS APPROVAL!!

Anonymous — Thu, 09 Dec 2010 21:53:24 GMT

When I called recon, it was only for a CLI upon activation, but I told them I may want to take advantage of a balance transfer and they confirmed HHI and occupation and then granted the CLI