topic Re: Barclays RECON SUCCESS!!! in Credit Cards

Barclays RECON SUCCESS!!!

timmis1127 — Fri, 28 Oct 2011 15:41:39 GMT

Just did a barclays recon and the first guy i talked to declined my application so i called back and talked to a very nice lady named Dawn and she apprloved me for $2,000!!!!

VERY HAPPY!!!

THAT WILL BE MY THIRD RECON IN 2 DAYS SO FAR I HAVE RECONED:

CITI: $3,000

DISCOVER: $1,000

BARCLAYS $2,000

Re: Barclays RECON SUCCESS!!!

Anonymous — Fri, 28 Oct 2011 15:45:34 GMT

That's awesome Timmis!

If you don't mind me asking what are your Fico scores? What were the reasons for the denial? Any baddies on your CR?

Thanks! I currently have an application pending with Barclays

Re: Barclays RECON SUCCESS!!!

Anonymous — Fri, 28 Oct 2011 15:48:28 GMT

Do you mind if I ask how Discover played out? I was just denied & I am thinking of doing a recon.

Re: Barclays RECON SUCCESS!!!

timmis1127 — Fri, 28 Oct 2011 15:52:51 GMT

@Anonymous wrote:
That's awesome Timmis!

If you don't mind me asking what are your Fico scores? What were the reasons for the denial? Any baddies on your CR?

Thanks! I currently have an application pending with Barclays

My EQ is 675

The reason for denial was they said my balances were to high but when i called i explained to her the situation and explained how i pay way more then the minimum she understood i was being responsible with my credit cards and and i have no late payments on my credit report!

Re: Barclays RECON SUCCESS!!!

Anonymous — Fri, 28 Oct 2011 16:17:09 GMT

Thats awesome!! Congrats!! I just called for recon this week myself and got $1500!

Re: Barclays RECON SUCCESS!!!

timmis1127 — Fri, 28 Oct 2011 16:23:09 GMT

@Anonymous wrote:
Do you mind if I ask how Discover played out? I was just denied & I am thinking of doing a recon.

I called and talked to a lady and she said she couldnt give me the offer i saw online but she could offer me a slightly different one, but it still has no interest on balance transfers but the interest rate is slightly higher.

Re: Barclays RECON SUCCESS!!!

CreditCrusader — Fri, 28 Oct 2011 16:24:25 GMT

@timmis1127 wrote:
@Anonymous wrote:
Do you mind if I ask how Discover played out? I was just denied & I am thinking of doing a recon.
I called and talked to a lady and she said she couldnt give me the offer i saw online but she could offer me a slightly different one, but it still has no interest on balance transfers but the interest rate is slightly higher.

What type of interest/credit limit are we talking here?

Re: Barclays RECON SUCCESS!!!

timmis1127 — Fri, 28 Oct 2011 16:26:24 GMT

@CreditCrusader wrote:
@timmis1127 wrote:
@Anonymous wrote:
Do you mind if I ask how Discover played out? I was just denied & I am thinking of doing a recon.
I called and talked to a lady and she said she couldnt give me the offer i saw online but she could offer me a slightly different one, but it still has no interest on balance transfers but the interest rate is slightly higher.
What type of interest/credit limit are we talking here?

she gave me $1,000 credit limit and i believe 19.99%. I could be mistaken though

Re: Barclays RECON SUCCESS!!!

CreditCrusader — Fri, 28 Oct 2011 16:27:52 GMT

@timmis1127 wrote:
she gave me $1,000 credit limit and i believe 19.99%. I could be mistaken though

I'd snap that sucker up...foot in the door, right? Interest may come down and CL go up over time.

Re: Barclays RECON SUCCESS!!!

Anonymous — Fri, 28 Oct 2011 16:29:09 GMT

@timmis1127 wrote:
@CreditCrusader wrote:
@timmis1127 wrote:
@Anonymous wrote:
Do you mind if I ask how Discover played out? I was just denied & I am thinking of doing a recon.
I called and talked to a lady and she said she couldnt give me the offer i saw online but she could offer me a slightly different one, but it still has no interest on balance transfers but the interest rate is slightly higher.
What type of interest/credit limit are we talking here?
she gave me $1,000 credit limit and i believe 19.99%. I could be mistaken though

Thats still not a bad way to get your foot in the door with Discover. I've heard of people getting very smally starting limits and after just a few months a decent sized CLI or Interest rate reduction

Re: Barclays RECON SUCCESS!!!

timmis1127 — Fri, 28 Oct 2011 16:57:40 GMT

Well when she offered me $1000 CL I said let me press my luck and ask for a bigger CL and she said I can ask for one in 6 months

Re: Barclays RECON SUCCESS!!!

Anonymous — Fri, 28 Oct 2011 17:03:51 GMT

Discover is known for more conservative limits. They're not like NFCU giving out 15K limits...theyre more likely to doll out a 3k and go from there

Re: Barclays RECON SUCCESS!!!

CS800 — Fri, 28 Oct 2011 17:07:16 GMT

@Anonymous wrote:
Discover is known for more conservative limits. They're not like NFCU giving out 15K limits...theyre more likely to doll out a 3k and go from there

Ahh if only I could get in NFCU

Re: Barclays RECON SUCCESS!!!

Anonymous — Fri, 28 Oct 2011 17:08:45 GMT

Me too, but mine is not a military family. I dont have anyone in my family that has been in the military at all even for a short period.

Re: Barclays RECON SUCCESS!!!

CS800 — Fri, 28 Oct 2011 17:12:50 GMT

I've done my time. I might go back in the future.

Re: Barclays RECON SUCCESS!!!

Anonymous — Fri, 28 Oct 2011 17:15:52 GMT

I'll assume then that you weren't navy, otherwise you'd already be a member

Re: Barclays RECON SUCCESS!!!

CS800 — Fri, 28 Oct 2011 20:17:37 GMT

You assumed right

Re: Barclays RECON SUCCESS!!!

Anonymous — Mon, 31 Oct 2011 02:19:36 GMT

Keep Barclay's card up, spend and pay off. Barclay's is definietely a good friend if you keep the relationship solid and never faulter. Last year, with multiple charge off's and two bankruptices (Chapter 7 from Nov. 2001 - finally falling off and Chapter 13 from 2005, which is coming up to fall off) I called the recon number in November, 2010 after discovering this website. The guy was like, "There's no way..." I told him I wasn't after a $10,000.00 credit line, perhaps even $100.00 would be good to build a relationship with for a "major visa" from crediable lender versus First P., et al.

Almost a year later, I began with $250.00 and after charging to max and paying off in full each month, I'm now at $1,900.00 w/the Travelocity American Express at $1,000.00 as of August, 2011. Not saying these are fantastic credit limitis; but definitely demonstrates Barclay's mad respect for loyal customers, etc.

Side note, it's funny I guess I lurk more than post... I registered November, 2010 and this is my third post!

Josh

Re: Barclays RECON SUCCESS!!!

CreditCrusader — Mon, 31 Oct 2011 11:39:52 GMT

@Anonymous wrote:
Keep Barclay's card up, spend and pay off. Barclay's is definietely a good friend if you keep the relationship solid and never faulter. Last year, with multiple charge off's and two bankruptices (Chapter 7 from Nov. 2001 - finally falling off and Chapter 13 from 2005, which is coming up to fall off) I called the recon number in November, 2010 after discovering this website. The guy was like, "There's no way..." I told him I wasn't after a $10,000.00 credit line, perhaps even $100.00 would be good to build a relationship with for a "major visa" from crediable lender versus First P., et al.

Almost a year later, I began with $250.00 and after charging to max and paying off in full each month, I'm now at $1,900.00 w/the Travelocity American Express at $1,000.00 as of August, 2011. Not saying these are fantastic credit limitis; but definitely demonstrates Barclay's mad respect for loyal customers, etc.

Side note, it's funny I guess I lurk more than post... I registered November, 2010 and this is my third post!

Josh
@Anonymous wrote:
Keep Barclay's card up, spend and pay off. Barclay's is definietely a good friend if you keep the relationship solid and never faulter. Last year, with multiple charge off's and two bankruptices (Chapter 7 from Nov. 2001 - finally falling off and Chapter 13 from 2005, which is coming up to fall off) I called the recon number in November, 2010 after discovering this website. The guy was like, "There's no way..." I told him I wasn't after a $10,000.00 credit line, perhaps even $100.00 would be good to build a relationship with for a "major visa" from crediable lender versus First P., et al.

Almost a year later, I began with $250.00 and after charging to max and paying off in full each month, I'm now at $1,900.00 w/the Travelocity American Express at $1,000.00 as of August, 2011. Not saying these are fantastic credit limitis; but definitely demonstrates Barclay's mad respect for loyal customers, etc.

Side note, it's funny I guess I lurk more than post... I registered November, 2010 and this is my third post!

Josh

Wow...congrats on your successes!

I have a couple of questions (as a recent Barclay approvee):

1. Did your Barclay card graduate to the AMEX?

2. How in the heck did you get AMEX branded card approval with a BK on your report? I ask because these people (AMEX) point-blank told me they would NEVER approve me with a BK on my record...not even for the $500 capped autopay Zinc!

Re: Barclays RECON SUCCESS!!!

haulingthescoreup — Mon, 31 Oct 2011 14:11:35 GMT

@CreditCrusader wrote:

...2. How in the heck did you get AMEX branded card approval with a BK on your report? I ask because these people (AMEX) point-blank told me they would NEVER approve me with a BK on my record...not even for the $500 capped autopay Zinc!

The Travelocity American Express card is processed through the American Express network, and AFAIK has many of the consumer protections that straight-ahead AmEx cards have, but it doesn't come from American Express. It comes from Barclays.

American Express Co. has no input on AmEx-branded cards that are issued by other lenders (Barclays, Macy's, USAA, PenFed, BofA, etc.) Any thumbs-up or thumbs-down on them comes from those lenders.

Also, non-AmEx AmEx's do not backdate. That is something exclusively with cards issued by American Express.