topic Re: Barclay card denial. in Rebuilding Your Credit

Barclay card denial.

Anonymous — Thu, 03 Dec 2015 03:07:52 GMT

So I ended up asking my CU to give me a CLI on my visa and mc today. She approved it and bumped me $2k on the visa and $1k on the MC. She told me my score was a 594 and I figured, hey I'll cancel my Credit One credit card bc I hate the actual fee and I'll apply for a Barclay card. Well I caked in and did it over the phone and he told me it will take a few days to get results. I used the back door number and spoke with a girl named Carina(very nice lady), minutes later after applying, she told me I was denied. Reason why, bc Iv only had credit cards for a year since January and it wasn't a score factor our anything else. Just limited cc history. I pleaded with her to reconsider so it wasn't a wasted inquiry and she heard me out but ultimately it was a denial. She said try back in a few months. I plan on calling back tomorrow in hopes of speaking with a different representative that might have a different view towards me. I explained to the lady my honest opinion, that I was only trying to establish more payment history and use the card towards small purchases. My question is, is this a lost cause at the moment? Should I speak with someone else? 866-408-4064 this is the number I called. Is this the most up to date number? Is there a better one or even a representative I should ask for personally? Thanks guys.

Re: Barclay card denial.

Anonymous — Thu, 03 Dec 2015 03:30:49 GMT

My recommendation with Barlcays
Do Not Call Again.

Barclays is a very strange bank and they are also extremely stubborn. I have read numerous articles with folks that have 100 points on your current score getting turned down repeatedly after several recon calls. They also notate your profile every time you call in so the new rep sees the denial and will 99% likely agree with the original decision. I know their basic card is listed as 'good/fair" credit but if you were denied I would suggest waiting 6 month or so to establish more history and re-apply. Not a bad card to have just on the tougher side to get.

Re: Barclay card denial.

Anonymous — Thu, 03 Dec 2015 03:42:41 GMT

Yea I figured they might make notations to my file. I actually feel pretty good that if i talk to a person more sympathetic that I really have a shot at their low rate card that I applied for. I have 3 years of good history with other types of credit, I'm just relatively new to credit cards. I was always the type that if I didn't have the money right then, then I don't need that item. Anyway, since I'm denied, another call tomorrow or a few days shouldn't hurt my current denial right? Lol.

Re: Barclay card denial.

Anonymous — Thu, 03 Dec 2015 03:47:00 GMT

If you would like to give them another call in a day or so and plead your case then by all means. But if you get rejected again I would call it quits for now. I only say this because ive read that same advice from multiple forums before about Barclays. "no means no" so to speak. But perhaps theres someone in this forum who can provide more in depth information. Good luck and let me know how it goes!

Re: Barclay card denial.

Anonymous — Thu, 03 Dec 2015 03:49:10 GMT

I do have a good question that I can't find using the search. I have a Credit One cc, is that card considered the bottom of the barrel credit cards in other lenders eyes? And a capital one or Barclay is considered the Cadillac of credit cards? Can't think of a better expression haha. Could I actually benefit more from a Barclay card with the same CL as my Credit One card. Building higher scores wise..

Re: Barclay card denial.

Anonymous — Thu, 03 Dec 2015 03:51:12 GMT

You posted before I got to read your reply. But will do, I'm optimistic by nature but I really think I can get an approval by talking to someone else. I'll report back tho. If they say no, I'll let it be.

Re: Barclay card denial.

Anonymous — Thu, 03 Dec 2015 04:48:29 GMT

YEA GUESS WHO JUST RECON'D BARCLAY AND GOT AN APPROVAL FOR $1000 CL!!!!!

C'mon all me how, just ask lol

Re: Barclay card denial.

OMW2_HighAcheiver — Thu, 03 Dec 2015 04:57:33 GMT

Way to go! Now close that Credit One......

Re: Barclay card denial.

willwar14 — Thu, 03 Dec 2015 05:09:21 GMT

Yeah glad you called the recon rept again, I was approved for a Barclay apple card for 2k in july with 6 months of history, and decided to push my luck, called in to recon the SL, first rep i request a cli to 4.2k, DENIED, 2nt rep requested a cli to 2.7k APPROVED, called one more time and got it bumped to 3k. Now at 4.2k via a soft pull CLI, Congrats though!!

Re: Barclay card denial.

Anonymous — Thu, 03 Dec 2015 05:12:41 GMT

I'm gonna. And so anyone knows, Barclay does notate your account when you call. I ended up acting upset and demanded to speak to a supervisor over my initial phone application process. Told her I felt severely taken advantage of and misled,which I did, but not as extreme as I made it sound. I told her I feel that by that,I deserve to be heard out. Her name was Jessica and she was also extremely nice and willing to listen. After she went over my job, my income and the reason for my late payment with fedloan servicing, she congratulated me as a Barclay customer and asked me how a $1000 limit sounded. I told her with my borderline 600 score that I'm in no position to make demands, but I'm just extremely thankful for the line of trust she has given me. I told her I woulda been thankful for a $200 limit. I just need the opportunity to show them and other lenders I'm an adult and I think like a responsible one. She did tell me that after 3 months, if i show her good utilization on my history with them, to call her personally and she with give me a CLI. I think I made an impression with her on my credit rebuilding story. I must of sounded extremely pathetic to her haha. Like I was going to cry ;-) Whatever's clever I guess! Point is,I won and I really feel good about it. They turned me down 6 months ago and as a result I turned to credit one. I was trying to dilute my 1 late pay with fedloan so there ya go guys. The back door does work wonders. I love this forum. Thank you everyone for your contributions!

Re: Barclay card denial.

willwar14 — Thu, 03 Dec 2015 05:17:49 GMT

What card did you apply for? rewards card? I would of said go for the apple card, it gives higher SLs.. Congrats though!! My dad got the apple card with a TU score of 620, and no revolving credit cards (had a kohls charge that is 4 years old).

Re: Barclay card denial.

Anonymous — Thu, 03 Dec 2015 05:18:42 GMT

SL? Not sure what that is. And to be honest,I was to excited about the approval I forgot to ask what card it was for lol. I initially wanted their low interest card when I applied.

Re: Barclay card denial.

willwar14 — Thu, 03 Dec 2015 05:21:11 GMT

Starting credit line, you got approved for the ring card with a 600 score? you can look it up here: https://www.barclaycardus.com/apply/cas/applications/search

Re: Barclay card denial.

Anonymous — Thu, 03 Dec 2015 05:23:42 GMT

Nice job on the recon!!

Re: Barclay card denial.

Anonymous — Thu, 03 Dec 2015 05:24:48 GMT

Yup that's the one. I checked that link you gave, says Barclay Ring Master Card.

Re: Barclay card denial.

Anonymous — Thu, 03 Dec 2015 05:26:13 GMT

Congratulations! On 12/03/2015 you were approved for the

Barclaycard Ring MasterCard with a Credit Line of $1,000.00

You'll receive your card, pin and card member agreement within the next 10 days.

Back to Check Status

Re: Barclay card denial.

willwar14 — Thu, 03 Dec 2015 05:33:15 GMT

Woahh, i'm willing to bet your TU score is a lot higher, congrats!!!

Re: Barclay card denial.

Anonymous — Thu, 03 Dec 2015 05:54:19 GMT

I actually just called again feeling lucky to get a higher SL,I pushed for $3k. Denied. Lol. I did however ask my score with them, he said it was a 608TU. Is the Ring card kinda hard to get?

Re: Barclay card denial.

willwar14 — Thu, 03 Dec 2015 05:59:19 GMT

Yeah its one of their more upper cards, my mom was denied for that card with a 710 TU, congrats though!!

Re: Barclay card denial.

Anonymous — Thu, 03 Dec 2015 06:00:45 GMT

Oh wow. Thank you very much. Soooo basically, don't screw Barclay over eh lol.