Apple Denied - Recon?

[SirCredit]

Welp. Just called a third time. Some new data points for you guys:

• They do definitely take notes (he said he was reviewing notes from the previous two calls)
• He said you can only call twice maximum for a reconsideration and could do nothing

Womp womp.

[Anonymous]

Curious if he's just saying that to get you to stop calling ? Wouldn't put it past some representatives.

[SirCredit]

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@Anonymous wrote:
Curious if he's just saying that to get you to stop calling ? Wouldn't put it past some representatives.

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I thought the exact same thing and called back... then hung up. Was reading on some other sites you could end up on their permanent "sh1t-list."

I'll try again in a couple of hours and see if they say the same thing and report back.

[FinStar]

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@SirCredit wrote:

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@FinStar wrote:
if your profile merits the approval then the UW folks would've provided that opportunity. 

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That contradicts what a lot of people on this board say. Why even recon with that line of thought? There's a guy on here that called 14 times before they said yes.

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Well, here's one simple fact.  Not every individual that is declined for something similar results in an approval after calling 14 times (give or take - maybe 12 is the magical numer, 11? 15?).  Otherwise, it'd be a well-documented "work around" for everyone who receivess a similar outcome.  Sure, people can try and see what their options are as far as whether a declined application can get overturned.  And, as with some lenders, Barclay's UW tends to have some leeway and may make exceptions on a case by case basis.  It doesn't mean every case will result in an approval, even after 14 calls.

I mean, if you have the time to keep calling and getting the same answer, great.  At some point folks do realize that getting declined isn't a bad thing.

[916networktech]

I can imagine the calls now:

Barclay: thank you for callign Barclay

Bob: Hi this Bob

Barclay: Bob is this you again

Bob: yeah I am just checking on my status

Barclay: I already told you no

Bob: ok Bob hangs up

Ring Ring 

Barclay: thank you for callign Barclay

Bob: Hi this Bob

Barclay: jeezus this Nut again

Bob: Huh?

Barclay: Sorry Bob my headset fell off

Bob: yeah I am just checking on my status

Barclay: Bob let me put you on hold while I check with a manager

Bob: ok

Barclay: this mother f#^$(&#$ already called in 14 times....what does he want he wants a credit card, give it to him move on

Barclay: Bob I have good news you were declined

Bob: ok

Ring Ring 

Barclay: thank you for callign Barclay

Bob: Hi this Bob

[SirCredit]

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@916networktech wrote:

I can imagine the calls now:

Barclay: thank you for callign Barclay

Bob: Hi this Bob

Barclay: Bob is this you again

Bob: yeah I am just checking on my status

Barclay: I already told you no

Bob: ok Bob hangs up

Ring Ring 

Barclay: thank you for callign Barclay

Bob: Hi this Bob

Barclay: jeezus this Nut again

Bob: Huh?

Barclay: Sorry Bob my headset fell off

Bob: yeah I am just checking on my status

Barclay: Bob let me put you on hold while I check with a manager

Bob: ok

Barclay: this mother f#^$(&#$ already called in 14 times....what does he want he wants a credit card, give it to him move on

Barclay: Bob I have good news you were declined

Bob: ok

Ring Ring 

Barclay: thank you for callign Barclay

Bob: Hi this Bob

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LOL. I haven't called back yet. I think I'm just going to call it quits and go into the garden for a bit.

I do wish 14 calls guy would come out and give us the full scoop. I'll have to dig out that thread at some point. 

[UncleB]

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@SirCredit wrote:

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@Anonymous wrote:
Curious if he's just saying that to get you to stop calling ? Wouldn't put it past some representatives.

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I thought the exact same thing and called back... then hung up. Was reading on some other sites you could end up on their permanent "****-list."

I'll try again in a couple of hours and see if they say the same thing and report back.

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If you're going to take the word of somebody on "some other sites" that you can end up on a permanent black list, you should consider taking the advice of the members here (in this thread and others) who have shared their own Barclay experience. 

Hint:  It's well-documented here that Barclays keeps notes of their recon contacts. 

You are free to do what you want, but IMO your best bet is to take the Barclay rep(s) at their word, and give yourself some time to work on what they said was the problem, i.e. let your accounts age a bit.

TL;DR... The 14 recon guy you mention is certainly an anomaly even if that happened; come join us in the garden. 

[JR_TX]

PA  :   “Paging Mr. Bob!.... Mr. Bob you’re needed at the garden!”

[SirCredit]

In the garden! Happily.