topic Re: Barclays recon worked for me too!!!! in Credit Cards

Barclays recon worked for me too!!!!

Anonymous — Thu, 03 Nov 2011 16:01:25 GMT

I was denied yesterday online so I spoke to a rep this morning and after a few simple questions, approved.

She asked what I planned to purchase (iPad2) and then asked which price model. I stated the $529 one (I think that's the price) so my credit limit is $750...

should I call back and ask for a higher limit or just be happy with what I have? My TU is 641 with 1 baddie (First Premier from 5 years ago). Any suggestions?

Oh - and if I do call back for a higher CL, what should I say the reason is? I guess I don't want to push my luck since I was finally APPROVED!!!!

Re: Barclays recon worked for me too!!!!

CreditCrusader — Thu, 03 Nov 2011 16:03:13 GMT

@Anonymous wrote:
I was denied yesterday online so I spoke to a rep this morning and after a few simple questions, approved.

She asked what I planned to purchase (iPad2) and then asked which price model. I stated the $529 one (I think that's the price) so my credit limit is $750...

should I call back and ask for a higher limit or just be happy with what I have? My TU is 641 with 1 baddie (First Premier from 5 years ago). Any suggestions?

Oh - and if I do call back for a higher CL, what should I say the reason is? I guess I don't want to push my luck since I was finally APPROVED!!!!

Hmm...never had a recon of the recon question about Barclay...if you do call back, I might now get too ambitious...maybe ask for $1000. Anyone else have any thoughts?

Re: Barclays recon worked for me too!!!!

GCSCORE — Thu, 03 Nov 2011 16:14:18 GMT

I'd get the actual price on the iPad and see if you need a higher CL to buy it. If you do, then I'd call back and give it another try saying that you were incorrect on the price and see what (if anything) they will do to increase your CL.

Re: Barclays recon worked for me too!!!!

Anonymous — Thu, 03 Nov 2011 16:15:19 GMT

@GCSCORE wrote:
I'd get the actual price on the iPad and see if you need a higher CL to buy it. If you do, then I'd call back and give it another try saying that you were incorrect on the price and see what (if anything) they will do to increase your CL.

Good idea. I might not need the increase to begin with

Re: Barclays recon worked for me too!!!!

CreditCrusader — Thu, 03 Nov 2011 16:16:54 GMT

@Anonymous wrote:
@GCSCORE wrote:
I'd get the actual price on the iPad and see if you need a higher CL to buy it. If you do, then I'd call back and give it another try saying that you were incorrect on the price and see what (if anything) they will do to increase your CL.

Good idea. I might not need the increase to begin with

Yes...and from what I've read here, if you garden after that card...use it and pay it off...after 6 months they are good with the CLIs

Re: Barclays recon worked for me too!!!!

Anonymous — Thu, 03 Nov 2011 16:19:58 GMT

one more kind of stupid question...

in order to get the 6 month 0% financing, do I have to buy it from apple.com or can I purchase at let's say, Best Buy?

(sorry if this is a silly question, I just want to make sure before I make the purchase)

Re: Barclays recon worked for me too!!!!

Smug — Thu, 03 Nov 2011 16:29:27 GMT

Apple only

Re: Barclays recon worked for me too!!!!

Anonymous — Thu, 03 Nov 2011 17:08:59 GMT

Thanks Smug!!

Re: Barclays recon worked for me too!!!!

CS800 — Thu, 03 Nov 2011 17:57:25 GMT

I need two macbook pro, wonder if they would give me a $4k CL

Re: Barclays recon worked for me too!!!!

Anonymous — Thu, 03 Nov 2011 18:25:46 GMT

I was considering telling them I'm in the market for a new iPhone and iPad...but I dont' want to push my luck. My iPhone 4 works great so there isn't a need for the 4s.

I have an iMac which I love, but I like the convenience of an iPad.

Decisions, decisions.

Re: Barclays recon worked for me too!!!!

hedgeclipper2 — Thu, 03 Nov 2011 18:27:03 GMT

@Anonymous wrote:
I was considering telling them I'm in the market for a new iPhone and iPad...but I dont' want to push my luck. My iPhone 4 works great so there isn't a need for the 4s.

I have an iMac which I love, but I like the convenience of an iPad.

Decisions, decisions.

Lol, I totally understand. I want a new MacBook Pro so bad, but my older MBP is working just fine, so I can't justify an upgrade.

Re: Barclays recon worked for me too!!!!

Anonymous — Thu, 03 Nov 2011 19:43:49 GMT

Hah I told the rep I was going to buy a macbook pro also...they gave me a $1500 TL to start. I've been tempted to call and ask for more, but I have a bad feeling about it

Re: Barclays recon worked for me too!!!!

CreditCrusader — Thu, 03 Nov 2011 19:45:14 GMT

@Anonymous wrote:
Hah I told the rep I was going to buy a macbook pro also...they gave me a $1500 TL to start. I've been tempted to call and ask for more, but I have a bad feeling about it

Yep...it's called tempting fate...don't do it!

Re: Barclays recon worked for me too!!!!

CS800 — Thu, 03 Nov 2011 20:03:31 GMT

I think CL has a lot to do with income also; someone correct me if im wrong.

Re: Barclays recon worked for me too!!!!

mAndrew1980 — Thu, 03 Nov 2011 20:07:35 GMT

Jesus has anyone gotten denied for Barclay's Apple on a recon lately? Every day we have a few of these threads. And in every thread I say the same thing: WHY OH WHY WON'T TU UPDATE MY GW ALREADY?!!??!?!?!

Re: Barclays recon worked for me too!!!!

Anonymous — Thu, 03 Nov 2011 20:11:13 GMT

So...I have to say

I LOVE BARCLAYS!!!

I decided to call in because the iPad I've been pricing comes out to roughly $850 with taxes and accessories and they raised my limit!!! I told the representative that I believe $1,000 will cover the total expense and after verifying my annual income - INSTANT APPROVAL!!! I didn't want to push for more since I don't "need" it right now...and besides, like a couple people have stated already, with good payment history, I should see a CLI in 6-12 months

Re: Barclays recon worked for me too!!!!

birjest — Thu, 03 Nov 2011 20:12:32 GMT

I did a recon today after getting a dis approval on line. It was a no go, which I don't mind. heck, 5 out of 8 in 3 weeks is a good batting avg.

Secured loan= $8,400

Cap1 Plat= $2,000

AMEX Zync = NPSL

Discover More = $5,000

Citi Plat M/C = $2,600

Not bad, in a 3 weeks work, now credit...go to work!!!!

P.S. Got a free credit score from Barclays pulling TU 696...Heck Yea!!!

Re: Barclays recon worked for me too!!!!

Anonymous — Thu, 03 Nov 2011 20:15:17 GMT

Did they give you an inclination as to why you were denied? You might want to consider calling back and speaking to someone else. The gentleman I spoke with a few minutes ago was far friendlier than the woman I spoke with this morning

(yes, I'm a girl and I have no problem using that to my advantage)

Re: Barclays recon worked for me too!!!!

Anonymous — Thu, 03 Nov 2011 20:19:33 GMT

@birjest wrote:
I did a recon today after getting a dis approval on line. It was a no go, which I don't mind. heck, 5 out of 8 in 3 weeks is a good batting avg.

Secured loan= $8,400
Cap1 Plat= $2,000
AMEX Zync = NPSL
Discover More = $5,000
Citi Plat M/C = $2,600

Not bad, in a 3 weeks work, now credit...go to work!!!!
P.S. Got a free credit score from Barclays pulling TU 696...Heck Yea!!!

Call again. I called immediately after getting denied and the decision was upheld...then called again yesterday and got approved. It all depends on what rep you get!

Re: Barclays recon worked for me too!!!!

birjest — Thu, 03 Nov 2011 20:42:54 GMT

Well, just got off the phone, AND STILL A NO GO. (The reason was no establish credit...I do not have no open accounts on my TU, due to the fact I just open some recently) and they are somewhat nervous that I have an AMEX, heck if I know. Anyway, I am in no dire need for a Barclays, just wanted to test the water. Beside, After I closed on my house in May, I am going to re-apply for a Chase Marriott.