topic Re: BarclayCard Financing Visa-----Recon, and then APPROVED! in Credit Cards

BarclayCard Financing Visa-----Recon, and then APPROVED!

Anonymous — Tue, 25 Oct 2011 20:29:54 GMT

Applied about 3 weeks ago for the Barclaycard Financing Visa for Apple, and was denied immediately online. Called for a recon on the following Monday, and was denied again. From there, I decided not to push any harder due to all of the recent inq's on my file and garden for a while. So, today, I got anxious and decided to call Barclays again and ask for a reconsideration again. Talked to the guy for about 4 minutes total, explained what all of my inquiries were for, and BAM! Approved with a starting CL of $1500! This may seem small to most people, but this is my first prime-ish card, and my highest CL to date.

So Excited!!!

Re: BarclayCard Financing Visa-----Recon, and then APPROVED!

CS800 — Tue, 25 Oct 2011 20:34:02 GMT

Congrats !!

Persistence pays. They most likely pulled TU.

Do you know your score?

Re: BarclayCard Financing Visa-----Recon, and then APPROVED!

Anonymous — Tue, 25 Oct 2011 20:46:19 GMT

They did pull TU. From everything I've seen recently, ~675, up from 619 in Feb when I turned 21 and was finally able to start getting credit.

Re: BarclayCard Financing Visa-----Recon, and then APPROVED!

Anonymous — Tue, 25 Oct 2011 21:04:49 GMT

@Anonymous wrote:
Applied about 3 weeks ago for the Barclaycard Financing Visa for Apple, and was denied immediately online. Called for a recon on the following Monday, and was denied again. From there, I decided not to push any harder due to all of the recent inq's on my file and garden for a while. So, today, I got anxious and decided to call Barclays again and ask for a reconsideration again. Talked to the guy for about 4 minutes total, explained what all of my inquiries were for, and BAM! Approved with a starting CL of $1500! This may seem small to most people, but this is my first prime-ish card, and my highest CL to date.

So Excited!!!

Congratulations!!! If you don't mind me asking what did you tell them the inquires were for?

Re: BarclayCard Financing Visa-----Recon, and then APPROVED!

Smug — Tue, 25 Oct 2011 21:33:43 GMT

I had 18 inq when I apped got 5k

Re: BarclayCard Financing Visa-----Recon, and then APPROVED!

Anonymous — Tue, 25 Oct 2011 21:41:40 GMT

Wow that's a lot...I currently have 2 inquiries on my TU report, one is for cell phone service started in feb and one in the past week for furniture financied at 0% interest for 12 months

Do you think I would be approved for a Barclays card with my current score and having a satisfied judgement that will fall off 08/12?

Re: BarclayCard Financing Visa-----Recon, and then APPROVED!

Anonymous — Tue, 25 Oct 2011 23:00:25 GMT

I would say probably yes, I'm pretty young so my personal income isnt that large though i'm also a full time student, and my TU score was 675-ish and a lot of inq's (15+)

Re: BarclayCard Financing Visa-----Recon, and then APPROVED!

Anonymous — Tue, 25 Oct 2011 23:03:23 GMT

@Anonymous wrote:
@Anonymous wrote:
Applied about 3 weeks ago for the Barclaycard Financing Visa for Apple, and was denied immediately online. Called for a recon on the following Monday, and was denied again. From there, I decided not to push any harder due to all of the recent inq's on my file and garden for a while. So, today, I got anxious and decided to call Barclays again and ask for a reconsideration again. Talked to the guy for about 4 minutes total, explained what all of my inquiries were for, and BAM! Approved with a starting CL of $1500! This may seem small to most people, but this is my first prime-ish card, and my highest CL to date.

So Excited!!!
Congratulations!!! If you don't mind me asking what did you tell them the inquires were for?

I'm intereested in this too...any advice to future recon-ers?

Re: BarclayCard Financing Visa-----Recon, and then APPROVED!

Anonymous — Tue, 25 Oct 2011 23:30:45 GMT

Well, I told them that I was in the market for a new macbook, which may be true, I haven't decided yet. I also explained why I had all of the inquiries on my file, once they understood, then they were ok with extending me a line of credit. I think that banks don't like seeing tons of inquiries because they see it as someone trying to get quick access to money for an emergency situation.

Re: BarclayCard Financing Visa-----Recon, and then APPROVED!

Smug — Wed, 26 Oct 2011 00:09:58 GMT

They will match your largest TL

Re: BarclayCard Financing Visa-----Recon, and then APPROVED!

CS800 — Wed, 26 Oct 2011 00:13:59 GMT

@Smug wrote:
They will match your largest TL

Are you sure?

Re: BarclayCard Financing Visa-----Recon, and then APPROVED!

Smug — Wed, 26 Oct 2011 00:32:14 GMT

Happened to 4 so far, you need to call right after you are approved

Re: BarclayCard Financing Visa-----Recon, and then APPROVED!

CreditCrusader — Wed, 26 Oct 2011 00:37:10 GMT

@Anonymous wrote:
Applied about 3 weeks ago for the Barclaycard Financing Visa for Apple, and was denied immediately online. Called for a recon on the following Monday, and was denied again. From there, I decided not to push any harder due to all of the recent inq's on my file and garden for a while. So, today, I got anxious and decided to call Barclays again and ask for a reconsideration again. Talked to the guy for about 4 minutes total, explained what all of my inquiries were for, and BAM! Approved with a starting CL of $1500! This may seem small to most people, but this is my first prime-ish card, and my highest CL to date.

So Excited!!!

HEY! Eyes on your own paper!

Your story matches mine in its entirety. I had to recon - and when I did, I finally got someone on the phone who took the time to listen and understand what he was seeing on the credit report...was approved for $1,300 and the card has already arrived. This is my highest CL, so no recon on the limit for me! I'll let this baby age and watch it grow along with my credit score.

Is this really a prime-ish card? Where does it stand as compared to, say, Discover?

Re: BarclayCard Financing Visa-----Recon, and then APPROVED!

CS800 — Wed, 26 Oct 2011 00:48:33 GMT

@Smug wrote:
Happened to 4 so far, you need to call right after you are approved

Did you apply for this card? How did it go?

Re: BarclayCard Financing Visa-----Recon, and then APPROVED!

Anonymous — Wed, 26 Oct 2011 01:07:00 GMT

I thought it was prime-ish...they're tougher on approvals than cap1 thats for sure, and they give decent CLs and theyre partnered with apple for financing, so i automatically thought of them as prime, or closer at least

Now that I have this card I'm just going to sit back for a while and let my cards age a bit. My AAOA went from 3 years to probably 8 months, so i need to let these age a bit

Re: BarclayCard Financing Visa-----Recon, and then APPROVED!

Anonymous — Wed, 26 Oct 2011 01:20:10 GMT

@Anonymous wrote:
Well, I told them that I was in the market for a new macbook, which may be true, I haven't decided yet. I also explained why I had all of the inquiries on my file, once they understood, then they were ok with extending me a line of credit. I think that banks don't like seeing tons of inquiries because they see it as someone trying to get quick access to money for an emergency situation.

Thanks, maybe I'll try that if I get denied in the future.

Whenever my Walmart card arrives, I'm going to call and request a CLI for a similar reason...wanting to buy a new TV, which isn't entirely a lie, because I AM entertaining the idea.

Re: BarclayCard Financing Visa-----Recon, and then APPROVED!

Anonymous — Wed, 26 Oct 2011 01:26:22 GMT

@Anonymous wrote:
@Anonymous wrote:
Well, I told them that I was in the market for a new macbook, which may be true, I haven't decided yet. I also explained why I had all of the inquiries on my file, once they understood, then they were ok with extending me a line of credit. I think that banks don't like seeing tons of inquiries because they see it as someone trying to get quick access to money for an emergency situation.
Thanks, maybe I'll try that if I get denied in the future.

Whenever my Walmart card arrives, I'm going to call and request a CLI for a similar reason...wanting to buy a new TV, which isn't entirely a lie, because I AM entertaining the idea.

I tried that, since I just opened a GEMB Walmart about 3 weeks ago...I told them I wanted to make a large purchase and would like to put it on my Walmart Card, so they said hold on, made me wait for 45 seconds, and she comes back on and says no. Good luck on that though, if you find any luck, let me know what you did.