topic Re: Carnival BarclayCard Recon Success! in Credit Cards

Carnival BarclayCard Recon Success!

jj10939 — Wed, 29 Dec 2010 18:48:36 GMT

I am planning a cruise for March and noticed that Carnival had a MC and I knew Barclay pulled Transunion. App'd online and was declined but then I remembered a lot of posts about how Barclay's was really good with recons. Well...I called and spoke to a credit analyst and she asked me about high number of inquires which was due to car shopping and then said she could get me approved for $500 and get the card out right away...not a great CL but was happy to be approved. Interest rate is high though 24.99% and I misread terms thinking there was 9 months no interest but that was only on balance transfers. She did say though to call back in three months once they had a payment history with them and they could maybe raise my limit...funny she couldn't see from my credit report that I never missed a payment on any of my CC in three years Anyone have experience with Barclay's regarding CLI. Is it better to call that backdoor number to request?

Re: Carnival BarclayCard Recon Success!

Breakthecycle2 — Wed, 29 Dec 2010 19:52:07 GMT

What are your FICO scores? How many inquiries are there if you don't mind me asking.

Re: Carnival BarclayCard Recon Success!

llecs — Wed, 29 Dec 2010 20:40:12 GMT

I also have that card. Started w/ $400 in September 2007. Scores increased and after 6 months, I asked for a CLI (a hard pull) and was declined. I shelved it. During that time my rate increased to nearly 29% and never was late. They said they increased everyone's rate. I never used it so I didn't care much. In June 2009, I decided to give a CLI another shot before closing it for good. They bumped the CL to $1500 at the cost of a hard inquiry. I won't cancel it yet, but one day. For my CLI, I called the number on the back of the card.

Re: Carnival BarclayCard Recon Success!

jj10939 — Wed, 29 Dec 2010 22:59:03 GMT

Score was 690 FICO TU I think there were about 7 inquires within the last 24 mos on TU most of which were auto related. From what I've read Barclay's is stingy with CLI but I don't care really...I don't plan on using it as my primary card, just wanted it for my cruise...if they increase the limit, great...if not, I will use it to bill my Netflix and just pay it off.