cancel
Showing results for 
Search instead for 
Did you mean: 

Barclaycard Arrival Plus denied with 816

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Moderator

Barclaycard Arrival Plus denied with 816

So my plan was to garden through all of 2019. Then there was the $700 carrot that Barclaycard is waving with this card, the fact that my scores are in the 800s now, and I really couldn’t come up with a good reason to actually be gardening if it meant passing up big signup bonuses. Well, today I may have received a reason.

 

To put this into perpective, the only card I can previously recall being denied for in at least a decade was the Capital One Venture in February 2017. CapOne for some reason has never liked me, and before closing my final card with them I had been a customer for over 20 years and never got a single CLI. My reports have always been flawless other than utilization.

 

We know that Barclaycard can be jealous when you open new accounts after opening one of theirs, and they can often do AA for what seems like very puzzling reasons. Others have no issues at all with them. Now it appears they may be jealous of existing new accounts as well.

 

It’s embarrassing but I thought I would share this for data point. Income decently into the 200s, flawless reports, utilization in the single digits, AoOA 25 years, AAoA over 8 years, and they pulled a TransUnion score of 816. Denied for too many new accounts in the past 24 months. Called recon line and plead my case. Put me on hold. Came back still denied due to “10 new accounts in 24 months.” Tried further with explaining why the card was a good fit for me, why I have that many accounts in the past two years, the fact that I have only opened 3 in the past 12 months (SkyMiles Platinum Business would make 4, but hidden)... yeah, still denied.

 

I went in knowing that it would likely be a doomed relationship since I can admit that I am a bonus chaser and except for Chase and Amex, I am likely an unprofitable customer. But that $700... <sigh> Anyway, just thought I would share. So if you have a fairly heavy number of new accounts, they can and will deny otherwise extremely qualified applicants.

D856FD84-9037-46B5-A6CC-FCB41BE34C35.jpeg

 


Message 1 of 58
57 REPLIES 57
Valued Contributor

Re: Barclaycard Arrival Plus denied with 816

K, nothing to be embarrassed about, you took a shoot for $700 and  the new amount of new in the past 24 is something all CCC seem to follow now.

 

Barclay is a though nut to crack on new accounts.

Personal Cards: Amex Gold, & Plat | Amex Delta Res | Amex Hilton | CSR | Citi AA Exec Business Cards: Ink+ | Amex BGR | Amex Plat
Message 2 of 58
Moderator

Re: Barclaycard Arrival Plus denied with 816

Embarrassing is probably the wrong word. Now that I think about it, that’s insensitive to what many others here on the forums experience. More like hurt pride. I felt invincible, thinking that Capital One was my only Krypton.

Message 3 of 58
Frequent Contributor

Re: Barclaycard Arrival Plus denied with 816

Know me by my enemies.

Message 4 of 58
Community Leader
Senior Contributor

Re: Barclaycard Arrival Plus denied with 816

Barclay can be a cruel, jealous, and vengeful mistress.  I had good luck getting approved with limited\questionable history, but couldn't get a CLI out of them so they went in the round file.  Outside of the bonus, the card does nothing.

 

This does serve as a good reason to stay in the garden unless you need to leave Smiley Very Happy



FICO 8 Scores (11/11/19) | Equifax: 779 | TransUnion: 759| Experian: 753 | Goal: CSR. I'll get you my pretty!
Gardening Since: 7/25/19 | Want cool stuff in your siggy? Visit http://mfgarden.club for more details.
Message 5 of 58
Super Contributor

Re: Barclaycard Arrival Plus denied with 816

Sadly, your excellent score was irrelevant because Barclay has a 6/24 rule for this card. Unfortunately it's a wasted application, but $700 is always worth a try!

Message 6 of 58
Moderator

Re: Barclaycard Arrival Plus denied with 816

Ouch. Had I been aware, I would not have even attempted. I seem to have somehow missed that little tidbit. The analyst I was speaking with told me to try again a little later when that number comes down, but wouldn’t even give me what they consider to be an “acceptable number of accounts opened in the past 24 months.”

Message 7 of 58
Community Leader
Mega Contributor

Re: Barclaycard Arrival Plus denied with 816

Sorry, K. That's a bummer. You'll get them next time

 

EX 759 EQ 774 TU 753


Message 8 of 58
Valued Contributor

Re: Barclaycard Arrival Plus denied with 816

The new krypton is a x/24 factor.

 

Who ever knew it would come to this.

Personal Cards: Amex Gold, & Plat | Amex Delta Res | Amex Hilton | CSR | Citi AA Exec Business Cards: Ink+ | Amex BGR | Amex Plat
Message 9 of 58
Highlighted
Community Leader
Super Contributor

Re: Barclaycard Arrival Plus denied with 816

Sorry K, thanks for sharing . I think when applying for Barclays its best to change your diet of coffee for tea a good 6 months out so that they can accept /reject you with a Cheerio and a sconeSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 10 of 58
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.