topic Re: Barcklay Recon. X 2 Success in Credit Cards

Barcklay Recon. X 2 Success

Anonymous — Mon, 30 Jan 2012 13:56:01 GMT

Hello All,

I have a Discover $1500 CL and Cap 1 MC $3250 CL. Was looking for a card to replace Cap 1 as it is not going to increase any more. Responded to Barclay US Air offer this month. Found that I was approved for $1000.00. Called last Monday while at Firestone and received another $1000.00. This weekend decided that I would like to transfer my $658 Firestone bill and $400 Discover balance to Barklay. Also noticed that they made TWO inquiries on my TU before the account was opened. When I got an analyst on the phont this morning, I pointed out that I was dinged twice, would like to take advantage of 15 months no interest, but did not want to have my account start out with 50% of CL used. Also pointed out that I notice that my most recent CR is showing incorrect CLs on two accounts.

The first analyst said there was nothing he could do, but maybe Customer Care could explain why I had to inquries. The rep at Customer Care said she could not answer my questions, and transferred me BACK to another analyst. After about 20 minutes on the phone and answering questions about some bad looking stuff on my CR - I was given ANOTHER $1500 increase. So, this is a total CL of $3500, $2500 in CLI in exactly ONE week and without even having the card, yet. It has taken FOUR YEARS to get to $3350 with Cap 1, and they have made it clear that it is not going any higher!

This feels good. I am going to treat this card very well: make very small purchases (lunch), and make $150-$200 payments a month to show great payment history, and we shall see what happens from there.

The analyst, by the way, says that the second inquiry was only a soft pull. I am not so sure about that. My scores are at or near 700.

Re: Barcklay Recon. X 2 Success

Smug — Mon, 30 Jan 2012 14:25:26 GMT

Barclays approved me for 1190.00 with one call got 5k........

Re: Barcklay Recon. X 2 Success

pizzadude — Mon, 30 Jan 2012 14:44:49 GMT

Barclay is great with recons ~ yet another success story !! Congrats !

Re: Barcklay Recon. X 2 Success

Anonymous — Mon, 30 Jan 2012 14:51:12 GMT

Thanks!

Re: Barcklay Recon. X 2 Success

CS800 — Mon, 30 Jan 2012 14:55:16 GMT

A $2500 CL before even getting the card?? Now that's what I'm talking about .

Re: Barcklay Recon. X 2 Success

bgjg82 — Tue, 31 Jan 2012 01:18:16 GMT

Last week of December I had applied online (BJ's Card) and was denied. Called the backdoor number for Barclays and spoke with a very pleasant credit analyst who asked a single question about the reason behind my filing BK that was discharged in 01/07. She said she could see that since the BK I have done well at being on time with everything (car loan and 3 cards) and within about 3 minutes I was approved for 3500.00 CL with 0% interest on balance transfers for 21 months. Now the rate on purchases was a bit high 24%, but I transfered almost all my balances from the other cards over, so in the long the 0% on that will save me a bundle. She also explained that after 6 months of payments if I call back they will get the interest on purchases down for me.

Here is the best part. About a week after doing the transfers, get an email from 2 of the other card banks that I paid off to let me know that because of my good payment history I had received a CLI. (500 CLI on one of them and 400 CLI on the other).

Re: Barcklay Recon. X 2 Success

Anonymous — Tue, 31 Jan 2012 03:27:28 GMT

I have a similar deal, but with 15 months on BTs. I just hope that this card does not have a ceiling, as well. Hell, I am already over the $3000 CL, so maybe that is a good sign that it does not have a ceiling. I am hopeful, but more importantly, I have to stay on top of my credit and not get into the same behavior - gambling - that caused my credit to end up in the Hudson River in the first place. So for now, low limits are fine with me; I manage them well, but over the years, I want to see growth that is comensurate with my increasing responsible credit usage.

Re: Barcklay Recon. X 2 Success

JusdoNit — Tue, 31 Jan 2012 06:48:36 GMT

Nice

Re: Barcklay Recon. X 2 Success

LS2982 — Tue, 31 Jan 2012 11:08:14 GMT

Congrats!!!

Re: Barcklay Recon. X 2 Success

Anonymous — Tue, 31 Jan 2012 12:21:26 GMT

I'm doing the happy dance for you! I just flew in from Mexico and the co pilot announced the us air Barclays card. It sounds like a great deal! Unfortunately, I have an ugly on my TU....but I'm glad for you!

Re: Barcklay Recon. X 2 Success

Anonymous — Tue, 31 Jan 2012 12:28:49 GMT

Sorry, I meant us air Barclays card deal. Im not a big traveller, maybe 3-4 times a year. But I usually travel with my DH, and one offer is 2 $99 companion fares a year. Thats golden in its own right for me.

Re: Barcklay Recon. X 2 Success

Anonymous — Tue, 31 Jan 2012 15:22:15 GMT

Thanks!

Well, when the analyst reviewed my report - she asked about a personal loan that I took out last summer. I told her that it was for the purpose of paying off and gettting rid of several credit cards, and at a min $200 a month payment, that loan will take only two years to pay off. She then said that she notice someone put 14 30 late pays on an older loan. Ironically, it was for the same cooperative credit union that recently gave me the loan. She agreed that if they thought I was such a bad customer, they certainly would not have approved me for a $5000.00 loan last June.

I like that the analysts there asks questions, and they seem to genuinely want to hear the answer. I guess depending on the baddie and the customer's response, they will give a calculated chance to the customer, and then monitor the account quite closely from what I understand.