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I think you should try another anaylst becuase you already took a hit with the inquire. But with that being said I dont think applying for this card was a smart idea since your oldest acount is only 5 months old. If the 2nd recon does not go your way, garden for at least 6 months and reapply and I think you will get approved. Youre doing great just be patient.
I agree. I never had any luck reconning for a Barclay Card a couple years back. But I do recall they said they wanted to see all new accounts age 12 months. In two years or so you will be able to get about any card you want!.
Barclay's "typically" wants to see 12 months credit history prior to them extending credit products to someone.
@Anonymous wrote:
After cleaning up my reports decided to apply for this card. After getting a pending message, I checked app status..was denied. Decided to recon, the analyst I spoke with told me my revolving credit were too new . Don't know if I should bother to recon again and speak with a different analyst.
Stats were:
Fico TU - 720 (assuming this is what they pulled)
4 revolving credit lines..Cap 1 being my oldest at 5 months.
No negatives on TU report
I did the same thing for the same card at the same point in my rebuild.
i agree with the others, give it another shot and if a no-go, give it 6 months.
look at the Barclay Cards in my sig. I got those and 5 others over the last 30 months with 44k in exposure.
Take care of business and it will come.
good luck to you
+1