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Barclays applications

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Super Contributor

Re: Barclays applications


@codypendant wrote:

@popamode72 wrote:

@codypendant wrote:

@popamode72 wrote:

I think the applications can stay on file for a few months (I think 2 or 3) and if you have a lot in a recent period, their system will start auto denying you and not pulling anything from your report.


This is exactly what is happening to me now! Every time I apply, it auto-denies me and doesn't even do a pull. Quite annoying. Should I recon? Isn't their recon available 24 hours?


There's a 24/7 recon line number I can PM you. 


What do you think my chances are for the Apple card with 22 new accounts opened in the last 6 months? Lol


Divide the number accounts by the number of months then multiply it by two and use that as a percentage.

The answer is 7% Smiley Tongue

 

 

I would not bother unless you feel like calling 15 times.

EX FICO  16 INQ  791
EQ FICO  10 INQ  786
TU FICO  12 INQ  790
Total CL$477,00038 TL
Message 11 of 19
Super Contributor

Re: Barclays applications


@codypendant wrote:

@popamode72 wrote:

@codypendant wrote:

@popamode72 wrote:

I think the applications can stay on file for a few months (I think 2 or 3) and if you have a lot in a recent period, their system will start auto denying you and not pulling anything from your report.


This is exactly what is happening to me now! Every time I apply, it auto-denies me and doesn't even do a pull. Quite annoying. Should I recon? Isn't their recon available 24 hours?


There's a 24/7 recon line number I can PM you. 


What do you think my chances are for the Apple card with 22 new accounts opened in the last 6 months? Lol


I keep hearing Apple card is supposed to be easy to get but be prepared to have a good explanation on recon for the new accounts. They can be pretty stern with that stuff. :/

Total CL: Around $168,750 not counting hidden TLs. FICOs in the 700-730 range.

Main cards: Macy's Amex: $24k, Lowe's, $17k, Chase Sapphire Preferred: $7k, Chase AARP: $5.2k, Chase Freedom: $5k, Chase British Airways: $5k, Discover It: $1.5k, Barclays Arrival: $2.5k, Sam's Club MC: $8.5k, Stash: $8k, Sam's Club: $10k, Wells Fargo Propel: $8k, Paypal Smart Connect: $4.9k, Amazon Store Card: $6k, Cabelas Club Visa: $5k, Nordstrom: $5k, CapOne Quicksilver: $2k
Message 12 of 19
Valued Contributor

Re: Barclays applications


@Nixon wrote:

@codypendant wrote:

@popamode72 wrote:

@codypendant wrote:

@popamode72 wrote:

I think the applications can stay on file for a few months (I think 2 or 3) and if you have a lot in a recent period, their system will start auto denying you and not pulling anything from your report.


This is exactly what is happening to me now! Every time I apply, it auto-denies me and doesn't even do a pull. Quite annoying. Should I recon? Isn't their recon available 24 hours?


There's a 24/7 recon line number I can PM you. 


What do you think my chances are for the Apple card with 22 new accounts opened in the last 6 months? Lol


Divide the number accounts by the number of months then multiply it by two and use that as a percentage.

The answer is 7% Smiley Tongue

 

 

I would not bother unless you feel like calling 15 times.


Pretty sure I could get it, but I don't want to have to kiss their butt to do it. Smiley Wink

Maybe I will just wait a few more months.

Starting Score: 8/17/2014 EQ 569 TU 531 EX 535
Current Score: 06/03/2015 EQ 691 TU 751 EX 740
Goal Score: 760+ across all three bureaus

Take the myFICO Fitness Challenge
Trying to stay in the garden!
Message 13 of 19
Valued Contributor

Re: Barclays applications


@Nixon wrote:

@codypendant wrote:

@popamode72 wrote:

@codypendant wrote:

@popamode72 wrote:

I think the applications can stay on file for a few months (I think 2 or 3) and if you have a lot in a recent period, their system will start auto denying you and not pulling anything from your report.


This is exactly what is happening to me now! Every time I apply, it auto-denies me and doesn't even do a pull. Quite annoying. Should I recon? Isn't their recon available 24 hours?


There's a 24/7 recon line number I can PM you. 


What do you think my chances are for the Apple card with 22 new accounts opened in the last 6 months? Lol


Divide the number accounts by the number of months then multiply it by two and use that as a percentage.

The answer is 7% Smiley Tongue

 

 

I would not bother unless you feel like calling 15 times.


Where did you come up with this algorithm? lmao

Starting Score: 8/17/2014 EQ 569 TU 531 EX 535
Current Score: 06/03/2015 EQ 691 TU 751 EX 740
Goal Score: 760+ across all three bureaus

Take the myFICO Fitness Challenge
Trying to stay in the garden!
Message 14 of 19
Established Contributor

Re: Barclays applications


@codypendant wrote:

@Nixon wrote:

@codypendant wrote:

@popamode72 wrote:

@codypendant wrote:

@popamode72 wrote:

I think the applications can stay on file for a few months (I think 2 or 3) and if you have a lot in a recent period, their system will start auto denying you and not pulling anything from your report.


This is exactly what is happening to me now! Every time I apply, it auto-denies me and doesn't even do a pull. Quite annoying. Should I recon? Isn't their recon available 24 hours?


There's a 24/7 recon line number I can PM you. 


What do you think my chances are for the Apple card with 22 new accounts opened in the last 6 months? Lol


Divide the number accounts by the number of months then multiply it by two and use that as a percentage.

The answer is 7% Smiley Tongue

 

 

I would not bother unless you feel like calling 15 times.


Where did you come up with this algorithm? lmao


I'm guessing Nixon was winging it on that one. Although the % chance of approval on 22 new accounts is probably pretty close Smiley Wink

Message 15 of 19
Super Contributor

Re: Barclays applications

I was definitely winging it after actually doing the math.

However yes 7% is likely.
EX FICO  16 INQ  791
EQ FICO  10 INQ  786
TU FICO  12 INQ  790
Total CL$477,00038 TL
Message 16 of 19
Valued Contributor

Re: Barclays applications

I have 3 banks I still need to crack. Then my portfolio will be complete. Barclays, Amex, and Citi. Gardening is just so boring! I couldn't even make it a month lol. I have the eternal seedling.......

Starting Score: 8/17/2014 EQ 569 TU 531 EX 535
Current Score: 06/03/2015 EQ 691 TU 751 EX 740
Goal Score: 760+ across all three bureaus

Take the myFICO Fitness Challenge
Trying to stay in the garden!
Message 17 of 19
Established Contributor

Re: Barclays applications


@codypendant wrote:

I have 3 banks I still need to crack. Then my portfolio will be complete. Barclays, Amex, and Citi. Gardening is just so boring! I couldn't even make it a month lol. I have the eternal seedling.......


Quick question, whats your AAoA? I have 8,9 inqs on tu, eq and 4 on EX. I want to app for a hotel card but afraid im gonna spook all my current lender. But 22 cards within 6 months is amazing, what bank do you have the most cc with if you dont mind? 

Message 18 of 19
Valued Contributor

Re: Barclays applications


@bigbang91 wrote:

@codypendant wrote:

I have 3 banks I still need to crack. Then my portfolio will be complete. Barclays, Amex, and Citi. Gardening is just so boring! I couldn't even make it a month lol. I have the eternal seedling.......


Quick question, whats your AAoA? I have 8,9 inqs on tu, eq and 4 on EX. I want to app for a hotel card but afraid im gonna spook all my current lender. But 22 cards within 6 months is amazing, what bank do you have the most cc with if you dont mind? 


This is from myFICO TU:

Your oldest account was opened 8 Years, 7 Months ago

Average age of your accounts 9 months

 

I have the most CC with Synchrony. Nearly $50k

Starting Score: 8/17/2014 EQ 569 TU 531 EX 535
Current Score: 06/03/2015 EQ 691 TU 751 EX 740
Goal Score: 760+ across all three bureaus

Take the myFICO Fitness Challenge
Trying to stay in the garden!
Message 19 of 19
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