Wyndham Business - 90K Offer - Approved!

[ultimaterewardsguy357]

I applied for this card on 9/20. I went through a series of faxes with Barclays - DL, SSN, 1040 Tax Returns, Firstborn Child...kidding on the firstborn child. Or am I? Anyways, I was approved yesterday 10/12 much to my surprise. CL is not anything to write home about but luckily Barclays cards SUB are easy to meet. Don't stay at Wyndham much but the automatic Diamond status, status match, and 15,000 points every year ($90 value) makes this a sock drawer card for sure.

Data Points:

5/24 Status: 6/24

TU Inquiries: 2 (6 Months); 3 (12 Months); 9 (24 Months)

UTL: 3%

FICO 8 Scores: EX 750, EQ 765, TU 750

AAoA: 4 years, 11 month

AoOA: 14 years, 1 month

Income: $75K - $84K

Business: 2 years Sole Prop DBA Business Revenue: $75K/yr

Current Cards:

1. Citi Double Cash Card, $9,000, opened 3/2017 (AU)

2. Discover It Cash Back, $5,000, opened 12/2019

3. Chase Sapphire Reserve, $10,000, opened 9/2020

4. Chase Freedom, $1,000, opened 10/2020

5. Blue Business Plus, $6,300, opened 1/2021

6. The Platinum Card from Amex, No Pre-Set SL, opened 1/2021

7. CitiBusiness / AAdvantage Platinum Select, $11,000, opened 3/2021

8. Business Gold, No Pre-Set SL, opened 4/2021

9. Blue Business Cash, $1,000, opened 5/2021

10. Amazon Business Prime, $1,000, opened 5/2021

11. Business Platinum, No Pre-Set SL, opened 5/2021

12. Marriott Bonvoy Business, $3,000, opened 8/2021

13. AAdvantage Aviator Business, $4,000, opened 9/2021

14. Delta SkyMiles Reserve Business, $4,000, opened 9/2021

15. Chase Ink Busines Cash, $5,000, opened 9/2021

16. Wyndham Rewards Earner Business, $1,000, opened 10/2021

[CBetc]

Congrats! I had a pending application and was wondering about the timing too, but it just came through with an approval and is already in my account (I had a pre-existing Barclays View MC). I wonder if perhaps they were rushing to try to get approvals cleared before the promo deadline passed.

The only question now is whether to call back in and ask for a higher CLI while I can do a recon, since signs point to them being difficult to get a CLI out of later on.

[ultimaterewardsguy357]

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@CBetc wrote:

Congrats! I had a pending application and was wondering about the timing too, but it just came through with an approval and is already in my account (I had a pre-existing Barclays View MC). I wonder if perhaps they were rushing to try to get approvals cleared before the promo deadline passed.

The only question now is whether to call back in and ask for a higher CLI while I can do a recon, since signs point to them being difficult to get a CLI out of later on.

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Thanks. The timing just varies with Barclays. Just call their security dept (See List of Backdoor Numbers). CLI I wouldn't recommend unless you're willing to eat a hard pull or your profile can support it. CLI is not great but not a big deal. I don't need any more than that to hit the SUB.

[ScorpioRising]

@ultimaterewardsguy357 

Congrats on your approval! Thanks for the Data points. 

[CBetc]

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@ultimaterewardsguy357 wrote:

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@CBetc wrote:

The only question now is whether to call back in and ask for a higher CLI while I can do a recon, since signs point to them being difficult to get a CLI out of later on.

---

Thanks. The timing just varies with Barclays. Just call their security dept (See List of Backdoor Numbers). CLI I wouldn't recommend unless you're willing to eat a hard pull or your profile can support it. CLI is not great but not a big deal. I don't need any more than that to hit the SUB.

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Just to follow up for me, I called in to the Backdoor number today and explained the situation. The analyst related that it would have to be another HP to evaluate for a CLI, but she said she'd be able to easily move some of the limit over from my (mostly-unused) Barclays View MC, which was certainly fine for my needs. Quick and easy process.