6 months post Ch7, declined by Barclays

[Anonymous]

I'm sharing this as a data point and also to see if others were able to successfully recon in similar situations.  

I have never had a Barclays card before and have waited until 6 months after my discharge to apply, but I received the "We'll let you know in 5-7 days" message.  I then used the website's app status and was told that I had been declined.  

My Bk7 was finalized at the end of 10/15.  I opened Cap1 Platinum ($500) and Cap 1 QS1 ($300) accounts the same month.  Six months later, the cards are now at $2500 and $500, respectively.  I PIF almost every month, though I occasionally leave a small balance.  I also have a credit builder loan that was opened in 11/15 as well as student loans that are current.   

Oh well!  I had read that Barclays liked at least six months of good history before applying, but maybe I need to give it more time.  I will call to recon just in case it makes a difference.

[0REDSOX7]

Wait to get the letter and see why they declined you.

This happened to my wife, then a month later she got a mailer and was approved for 3,000 - so, just give it a bit more time and you'll be in the door.

[wissam]

call 866 408 4064 .backdoor number .

most likely they will approve u with 1000$

[Datx]

Good luck on the recon, hope you get an approval. I burned Barclays in my BK7, so I probably won't try for at least 12 months of positive history with my current cards.

[holmesnmanny]

Just recon. It's likely you'll be approved. They didn't like my inquiries and they only gave me $250 at about 6 months discharge but the next month I got approved for Apple rewards at $1500. It's my best limit. 

[Anonymous]

Thanks, everyone! I called today and spoke with a very nice CSR, who asked about my reasons for the BK and verified my current salary.  I was then approved for a $1000 limit.

Now I will garden for a good long while and continue to take care of the lines of credit I have.  

[wissam]

i knew it

Congrats 

[silverbimmer04]

Congrats to you on your sucessful recon !!!   Treat your new lines well !

[TXinandout]

Excellent, NEVER give up!

[Anonymous]

5 months out of Ch7.  I was planning on waiting until 6 months until applying,

After reading this thread yet again I decide to pull the trigger and apply.

Got a "your application is under review, you will hear within 10 days" message.

Called the recon number, 866 408 4064 (had it at the ready, bad feeling I guess), but was declined.