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This morning I called the Barclay's backdoor # for a CLI and BT
My score 672
Opened Barclay's Card 09/2014
PIF every month
20% util
2000.00 Limit
After answering a few questions I was denied because of a 2008 Discover ChargeOff for 11k. It didnt matter how old it was it was the amount . He said this is the reason for my denial. I have no other baddies.
FYI to everyone. If you have a large charge off or collection Barclay will deny you, he said I may get an auto CLI in the future.
I will call back later today and try again, I hate burning a hard pull
Barclays tends to like 6 months of payment history with them for a CLI, you're probably better off waiting until your 6th or 7th statement and ask again (but I would wait until at least the 7th statement as many get auto-CLIs...myself excluded of course).
Everyone says 6 months but I was able to convince them at 2 months....
If they stated the amount of the charge off was an issue then it may be an amount they set internally to deny a CLI
@Anonymous wrote:This morning I called the Barclay's backdoor # for a CLI and BT
My score 672
Opened Barclay's Card 09/2014
PIF every month
20% util
2000.00 Limit
After answering a few questions I was denied because of a 2008 Discover ChargeOff for 11k. It didnt matter how old it was it was the amount . He said this is the reason for my denial. I have no other baddies.
FYI to everyone. If you have a large charge off or collection Barclay will deny you, he said I may get an auto CLI in the future.
I will call back later today and try again, I hate burning a hard pull
I'm in the same boat as you are. I have a lot of charge-offs. However, during my entire time with Barclay I were able to get 2 cli's one of which was automatic (from $500 to $1500) and the other one web-based request (from $1500 to $2050). However, I called recon to get some more and they denied. It seems like if you have collections or charge-offs it would be impossible to get a cli with Barclay through manual review and there are much better chances with auto-cli (or web-based but that would result ina hard pull). I also think that auto-cli in our situation would result in higer cl than web-based.
I got a denial letter today saying I have enough credit.... thanks mother Barclay for your great interest
@ecxpa wrote:I got a denial letter today saying I have enough credit.... thanks mother Barclay for your great interest
LOL.. The mother thing is funny.
@Anonymous wrote:This morning I called the Barclay's backdoor # for a CLI and BT
My score 672
Opened Barclay's Card 09/2014
PIF every month
20% util
2000.00 Limit
After answering a few questions I was denied because of a 2008 Discover ChargeOff for 11k. It didnt matter how old it was it was the amount . He said this is the reason for my denial. I have no other baddies.
FYI to everyone. If you have a large charge off or collection Barclay will deny you, he said I may get an auto CLI in the future.
I will call back later today and try again, I hate burning a hard pull
You're probably thinking...Hey, they gave me their card regardless of that 2008 Discover C/O for 11k, so maybe I should ask for a CLI only after 3 months? Yeah, from what I've read on these boards or seen in their T&C -- CLI's have been given after the 5th or 6th statement cut and that's most likely with good-to excellent credit. I got my Barclay's card 1 month before you, but I wouldn't press my luck even now to ask for a CLI, since it's way too early and quite naturally, I would think it's burning an inquiry!! As a matter of fact, they started me with a $9500 CL so, there's really no need for me to ask and I'll just patiently await for their AUTO LOVE. and see how the dice are rolled then.
Since you mentioned your Discover C/O, I remember I couldn't even get a Discover since I had a $92 C/O from Blair credit of all people..lol. I remember saying, but it's going to fall off in a few months (2011) and their reply was "Reapply then", granted Discover seems to have tighter U/W than the Barclay's card for Avg credit for which they offer a 24.99 APR.. I think I app'd for a Barclays in 2012 and was out right declined. Well, this year....they courted me with a pre-qualied WMC -- 0% for 18 months and then 14.99 APR and I'm still waiting for my 6 months or more to see if I get any auto love ~~~~
So in essence, I'm sorry you burned an INQ for a premature INQ request. I guess it's your choice to reconsider it, since you'd rather not waste a HP for nothing, but I think I'd just wait it out and if they don't do it..then they don't it. Once that C/O falls off, you should be high rolling again in no time
@fedxboy wrote:
@Anonymous wrote:This morning I called the Barclay's backdoor # for a CLI and BT
My score 672
Opened Barclay's Card 09/2014
PIF every month
20% util
2000.00 Limit
After answering a few questions I was denied because of a 2008 Discover ChargeOff for 11k. It didnt matter how old it was it was the amount . He said this is the reason for my denial. I have no other baddies.
FYI to everyone. If you have a large charge off or collection Barclay will deny you, he said I may get an auto CLI in the future.
I will call back later today and try again, I hate burning a hard pull
You're probably thinking...Hey, they gave me their card regardless of that 2008 Discover C/O for 11k, so maybe I should ask for a CLI only after 3 months? Yeah, from what I've read on these boards or seen in their T&C -- CLI's have been given after the 5th or 6th statement cut and that's most likely with good-to excellent credit. I got my Barclay's card 1 month before you, but I wouldn't press my luck even now to ask for a CLI, since it's way too early and quite naturally, I would think it's burning an inquiry!! As a matter of fact, they started me with a $9500 CL so, there's really no need for me to ask and I'll just patiently await for their AUTO LOVE. and see how the dice are rolled then.
Since you mentioned your Discover C/O, I remember I couldn't even get a Discover since I had a $92 C/O from Blair credit of all people..lol. I remember saying, but it's going to fall off in a few months (2011) and their reply was "Reapply then", granted Discover seems to have tighter U/W than the Barclay's card for Avg credit for which they offer a 24.99 APR.. I think I app'd for a Barclays in 2012 and was out right declined. Well, this year....they courted me with a pre-qualied WMC -- 0% for 18 months and then 14.99 APR and I'm still waiting for my 6 months or more to see if I get any auto love ~~~~
So in essence, I'm sorry you burned an INQ for a premature INQ request. I guess it's your choice to reconsider it, since you'd rather not waste a HP for nothing, but I think I'd just wait it out and if they don't do it..then they don't it. Once that C/O falls off, you should be high rolling again in no time
+1
I had to recon 4 times to get my Sallie Mae WMC because of a couple of similarly old but MUCH smaller C/O's. I got $1,500 initially and was happy to get it!