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Barclay Hawaii Card - Interesting!

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Creditaddict
Legendary Contributor

Barclay Hawaii Card - Interesting!

Against my better judement I applied yesterday and got further processing.

This morning checking status I see declined so I give a call.

He pulls it up and says it was deeclined because of a previous charge off with them last year (paid)

He says I do see you were able to open up another account with us just a couple months ago (actually 6 this week!) but I would suggest since "Credit was NOT pulled" for this app to wait a little longer and continue to build a new relationship with us with the account you were able to get open and not take another HP right now for this application and be denied again.

 

I took his advice... Barclay hasn't been all that warm and fuzzy with me... rightfully so I suppose but for some reason I keep going back to them and try to get other cards, this no hp was a sign that they gave me a pass for stupidly applying again! Smiley Tongue

Message 1 of 13
12 REPLIES 12
Anonymous
Not applicable

Re: Barclay Hawaii Card - Interesting!

I've been debating about applying for my fist Barclay card but I've piled up many new accounts lately I'm afraid they would decline on that and inquiries 

Message 2 of 13
CreditMagic7
Mega Contributor

Re: Barclay Hawaii Card - Interesting!


@Creditaddict wrote:

Against my better judement I applied yesterday and got further processing.

This morning checking status I see declined so I give a call.

He pulls it up and says it was deeclined because of a previous charge off with them last year (paid)

He says I do see you were able to open up another account with us just a couple months ago (actually 6 this week!) but I would suggest since "Credit was NOT pulled" for this app to wait a little longer and continue to build a new relationship with us with the account you were able to get open and not take another HP right now for this application and be denied again.

 

I took his advice... Barclay hasn't been all that warm and fuzzy with me... rightfully so I suppose but for some reason I keep going back to them and try to get other cards, this no hp was a sign that they gave me a pass for stupidly applying again! Smiley Tongue


COURAGE!

 

CA has the most epic courage ever seen to go right straight up to Barclay's and more or less say "What's the holdup on my app?" Smiley Very Happy

I been trying since March for Sallie Mae (I WANT IT!!! BAD!!!) and just last week again. I done 2 recons where with the 2nd one they told me the same thing as you that it was a little early. That being said i'm going to go after it again the week before Christmas.

Message 3 of 13
Anonymous
Not applicable

Re: Barclay Hawaii Card - Interesting!


@CreditMagic7 wrote:

@Creditaddict wrote:

Against my better judement I applied yesterday and got further processing.

This morning checking status I see declined so I give a call.

He pulls it up and says it was deeclined because of a previous charge off with them last year (paid)

He says I do see you were able to open up another account with us just a couple months ago (actually 6 this week!) but I would suggest since "Credit was NOT pulled" for this app to wait a little longer and continue to build a new relationship with us with the account you were able to get open and not take another HP right now for this application and be denied again.

 

I took his advice... Barclay hasn't been all that warm and fuzzy with me... rightfully so I suppose but for some reason I keep going back to them and try to get other cards, this no hp was a sign that they gave me a pass for stupidly applying again! Smiley Tongue


COURAGE!

 

CA has the most epic courage ever seen to go right straight up to Barclay's and more or less say "What's the holdup on my app?" Smiley Very Happy

I been trying since March for Sallie Mae (I WANT IT!!! BAD!!!) and just last week again. I done 2 recons where with the 2nd one they told me the same thing as you that it was a little early. That being said i'm going to go after it again the week before Christmas.


Yes he does.  Pretty amazing

Message 4 of 13
djshifted
Regular Contributor

Re: Barclay Hawaii Card - Interesting!

I have had no complaints about BarclayCard, with the exception of part of a payment being held for 10 days (before I regularly made larger payments to the card).  My BarclayCard Rewards MC is currently my highest limit at $5k which I just recently got increase from my starting limit of $1300 (no auto-cli for me, but my credit history is... checkered to put it nicely).  They have been very good to me so far.

Starting Scores (12/2012):EX 506; EQ 511; TU 518 | Current Scores (01/2016):EX 662; EQ 656; TU 653
Message 5 of 13
1GaDawg85
Valued Contributor

Re: Barclay Hawaii Card - Interesting!

CA doesnt take NO from anyone!


FICO 5 ,4, 2 - 10/2023                            FICO 8 - 10/2023                                   FICO 9 - 10/2023                                   FICO 10 - 10/2023
     
Message 6 of 13
CreditMagic7
Mega Contributor

Re: Barclay Hawaii Card - Interesting!


@1GaDawg85 wrote:

CA doesnt take NO from anyone!


Secret to success: If it doesn't move, bend, or break, or otherwise won't give it, DO IT ANYWAY until it gives. Smiley Very Happy
Message 7 of 13
pizza1
Community Leader
Super Contributor

Re: Barclay Hawaii Card - Interesting!

Lmao!!! Love it!!!Smiley Happy kinda like me and and my 3 EO attempts with cap 1, lol!!! Smiley Happy
Message 8 of 13
chalupaman
Super Contributor

Re: Barclay Hawaii Card - Interesting!

I think Barclays is honestly kinda overrated. I much prefer Chase and Amex when it comes to this stuff but I do hope you get the card. 

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 9 of 13
djshifted
Regular Contributor

Re: Barclay Hawaii Card - Interesting!


@chalupaman wrote:

I think Barclays is honestly kinda overrated. I much prefer Chase and Amex when it comes to this stuff but I do hope you get the card. 


They may be overrated for some, though they gave me a $1300 starting CL a year ago when I was working rebuilding, and store cards were giving me quite a bit less. At that point my only other major CC was a recently unsecured card from my local CU, and was declined for Discover, Amex, Chase, Cap One, etc.  Even now, a year later, Barclay gave me a $3700 CLI and Cap One would only offer me a $300 starting CL.  

Starting Scores (12/2012):EX 506; EQ 511; TU 518 | Current Scores (01/2016):EX 662; EQ 656; TU 653
Message 10 of 13
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