Barclaycard Denied

pvargas · ‎03-03-2015

I am trying to improve my score and was told to try applying for at least 2 more credit cards. I have one through my CU with a $2000 limit and a Children's Place Card with a $300 limit. I applied for a Barclaycard and they denied me. My letter states Too many recent applications. Then it says a credit bureau report was not used in making this determination. What does that mean?

Anonymous · ‎03-03-2015

What is your score and how many apps/inqs on TU?

Deltadog03 · ‎03-03-2015

Call the recon line. The number is in the sticky thread in the ccd thread

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Anonymous · ‎03-03-2015

Did you apply for the same Barclay card in the past? Even if it was a few months ago? I applied in October and was denied. Was told that I could apply again in 120 days, waited and applied again and was given that exact message as you (on the letter they sent) I called and was told their system just automatically denied me because of my last app in the system even though it has been 4 months. They offered to push the app through and do a HP to see if they could approve me this time but I declined. So definitely call. If you did apply before they will push the app through for you.

pvargas · ‎03-03-2015

My credit scores are EX 645, EQ 644, TU 614. I only had 1 inq on TU.

So I called the recon # and they told me that because I had applied in November and was declined they just automatically denied me again. He said I have shown improvement since I last applied but now I need my utilization to go down, blah. He said to show significant payments and pay downin the next couple of months and I should not have a problem getting approved.

Anonymous · ‎03-03-2015

ill take that with a grain of salt..

i would call a few more times to see if you can get approved with that pull.

dont give up just yet!!!

@pvargas wrote:
My credit scores are EX 645, EQ 644, TU 614. I only had 1 inq on TU.

So I called the recon # and they told me that because I had applied in November and was declined they just automatically denied me again. He said I have shown improvement since I last applied but now I need my utilization to go down, blah. He said to show significant payments and pay downin the next couple of months and I should not have a problem getting approved.

pvargas · ‎03-04-2015

I tried again and got the same response.

Anonymous · ‎03-04-2015

@pvargas wrote:
I tried again and got the same response.

Maybe beat the record for calls like one poster did. I believe they called 20+ times.

pvargas · ‎03-04-2015

Oh gosh, I don't think I want to do that. Did they get approved?

Anonymous · ‎03-04-2015

I was denied for the second time for a Barclays card last night, did recon last night and was told to new of credit and high utilization. I called again and was told the same thing, probably will not do a recon again. I had 630 TU they pulled, 2 cap one cards for 7 months each, no missed payments but 2750/3500 credit utilization (they did not like, I know its high and I need to get it down). I have read CK stories of people being approved with high 500 low 600 for Barclay rewards card and I continue to get denied. I am just going to go in the garden for 6 to 8 months, pay Cap one cards down to 10% utilization and apply again.