topic Barclays Denial in Credit Cards

Barclays Denial

Anonymous — Sun, 29 Apr 2012 15:22:01 GMT

So I applied for the Barclays NFL card, and unfortunately when I checked my application status, it says the following:

Currently we are unable to offer you a credit card issued by Barclays Bank Delaware. Details on why we could not make you a credit offer will be mailed to you.

Should I try and recon? If so, what do I say? I've never done one before, so I'm a bit nervous about it.

Re: Barclays Denial

Smug — Sun, 29 Apr 2012 15:27:10 GMT

Always recon.....

Re: Barclays Denial

aussiesareforever — Sun, 29 Apr 2012 15:28:48 GMT

I'm sure others will chime in shortly. I called Barclay to ask for an increased credit limit shortly after my approval. They were really nice and it was a painfree process.

Do you have any negatives on your CR. Be prepared to explain any negatives and give them a good reason for why you want the card. They historically have been pretty good with recons.

Re: Barclays Denial

Anonymous — Sun, 29 Apr 2012 15:31:24 GMT

No baddies. I'm relatively new to credit, sitting at 28% util with 2 cards. I've heard that Barclays was INQ sensitive, but I only have 3 INQs on my TU report, and only one is less than a year old.

Re: Barclays Denial

Creditaddict — Sun, 29 Apr 2012 15:35:48 GMT

@Anonymous wrote:
No baddies. I'm relatively new to credit, sitting at 28% util with 2 cards. I've heard that Barclays was INQ sensitive, but I only have 3 INQs on my TU report, and only one is less than a year old.

Barclay really should just switch the application process to automatically call you when you hit submit and take you to a credit analyst because their auto-approval computer system almost NEVER Auto Approves and usually when it does it's for a stupid limit (yes exceptions exist)

Call them up on Monday, they are Eastern Time depending where you are, think they open at 8 or 9AM.

Re: Barclays Denial

aussiesareforever — Sun, 29 Apr 2012 15:54:02 GMT

@Anonymous wrote:
No baddies. I'm relatively new to credit, sitting at 28% util with 2 cards. I've heard that Barclays was INQ sensitive, but I only have 3 INQs on my TU report, and only one is less than a year old.

I think it should be a relatively easy approval for you then. Call them on Monday. They are open 8 AM Eastern time. Try this number to get to their credit analyst( 866-408-4064) .

Tell them that you want to use their card primarily and wanted a higher credit limit than what your other two cards have. Does the NFL card have any rewards or introductory APR? You can also use those reasons as to why you want the card.

They are usually very nice and try to get people approved. Let us know how it goes!

Edited to add: They are usually INQ sensitive although it seems to be more of an issue AFTER you are approved for their card. They tend to soft your credit report frequently after approval and people have reported adverse action (closed accounts or credit line decrease) after opening multiple accounts post Barclay. General recommendations are just to limit your new accounts the first six months after opening a Barclay account. It doesn't mean you can't apply for more cards, it just means you shouldn't open 6 accounts shortly after opening one wth them.

Re: Barclays Denial

webhopper — Sun, 29 Apr 2012 16:48:57 GMT

I agree with other posters here... You should definately call them up, especially if you want their product!

Re: Barclays Denial

Anonymous — Sun, 29 Apr 2012 17:07:15 GMT

They do have a really nice intro bonus points offer going on. Plus you get 20% off all NFL Shop purchases when you use the card, and I'm a huge NFL fan.

Re: Barclays Denial

aussiesareforever — Sun, 29 Apr 2012 17:17:52 GMT

@Anonymous wrote:
They do have a really nice intro bonus points offer going on. Plus you get 20% off all NFL Shop purchases when you use the card, and I'm a huge NFL fan.

Sweet. Emphasize all of these. Better credit limit, intro bonus point and big NFL fan. They will love it

Re: Barclays Denial

Anonymous — Sun, 29 Apr 2012 17:21:15 GMT

Sounds good to me. I'll give them a call tomorrow, and hopefully they'll reverse their decision!

Re: Barclays Denial

CS800 — Sun, 29 Apr 2012 18:00:30 GMT

Barclays is very good with recons. Try it

Re: Barclays Denial

LS2982 — Sun, 29 Apr 2012 18:25:53 GMT

I would recon most definitely!

But what team are you getting on the card?? This is crucial because they will deny your recon on certain teams......lol j/k

Re: Barclays Denial

Anonymous — Sun, 29 Apr 2012 18:56:24 GMT

All about the Oakland Raiders. Just win baby. I'm feeling 8-8 this season!

Re: Barclays Denial

LS2982 — Sun, 29 Apr 2012 19:00:38 GMT

@Anonymous wrote:
All about the Oakland Raiders. Just win baby. I'm feeling 8-8 this season!

Your already 2 losses in the hole with the Sheriff and the Broncos. Still feeling 8-8?

Re: Barclays Denial

MarineVietVet — Sun, 29 Apr 2012 19:08:06 GMT

Enough about football please. You can use PM's for that.

This thread is about a Barclay denial.

Re: Barclays Denial

Smug — Sun, 29 Apr 2012 22:38:27 GMT

I love Barclays

Re: Barclays Denial

Mike360 — Sun, 29 Apr 2012 22:42:00 GMT

Guess I'm in the minority that HATES Barclays. Anyways always recon a denial especially w/ Barclays. Your chances are good at a approval with them. Good luck!

Re: Barclays Denial

LS2982 — Sun, 29 Apr 2012 22:46:39 GMT

@Mike360 wrote:
Guess I'm in the minority that HATES Barclays. Anyways always recon a denial especially w/ Barclays. Your chances are good at a approval with them. Good luck!

Did you have a bad experience with them Mike?

Re: Barclays Denial

Anonymous — Mon, 30 Apr 2012 13:30:07 GMT

I have a feeling that this will be a very good beginning to a relationship with Barclays! I just gave them a call, it took about 5 minutes, and I was approved! He asked about whether or not I carry balances, verified employment, and asked about school. I was honest about everything, and he gave me a $1000 limit, my highest yet!

Re: Barclays Denial

Anonymous — Mon, 30 Apr 2012 13:39:41 GMT

I don't have one of their cards but have read many success recon success stories here.