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Denied barclays rewards...

rgill
Regular Contributor

Denied barclays rewards...

Applied and received immediate denial, called to recon and although she complemented me on rebuilding my credit since the bankruptcy 6 months ago, she cited that a few accounts were less than 3 months old (sony card, NFCU nRewards).

 

I was waiting on this one for my BK to hit 6 months, TU was 632 and less than 30% util.

 

Bummer - oh well, ill try again in 3 months.

Filed BK Chp 7 4/2015 - Discharged 8/2015 || Scores at Discharge- EX- 522, TU- 478, EQ- 488
Current scores - EX- 635, TU- 641, EQ- 637 (04/16) || Total CL - $30,600 || Util - 12%
NFCU GORewards - $10,000 | NFCU cashRewards - $10,000 | Cap1 QS1 - $1,300 | Cap1 Platinum - $1,300 | Sony Card - $800 | Comenity Cards (5) - $2200 | Firestone - $1,200 | Merrick Bank - $500 | Credit One - $550 | First Premier - $700 | Fingerhut - $250 | Amazon Store Card - $900 | Wal-Mart - $900
Message 1 of 7
6 REPLIES 6
Officer737
Established Contributor

Re: Denied barclays rewards...


@rgill wrote:

Applied and received immediate denial, called to recon and although she complemented me on rebuilding my credit since the bankruptcy 6 months ago, she cited that a few accounts were less than 3 months old (sony card, NFCU nRewards).

 

I was waiting on this one for my BK to hit 6 months, TU was 632 and less than 30% util.

 

Bummer - oh well, ill try again in 3 months.


I waited just over a year from my discharge date before I tried Barclay. I got the online approval for $650 and called in the next day and got it raised to $1k even. A month later I apped for the Apple card and was approved for $2k. I think they like to see about 12 months of history after discharge but it may vary.

Message 2 of 7
Yes-Its-Me
Super Contributor

Re: Denied barclays rewards...


@rgill wrote:

Applied and received immediate denial, called to recon and although she complemented me on rebuilding my credit since the bankruptcy 6 months ago, she cited that a few accounts were less than 3 months old (sony card, NFCU nRewards).

 

I was waiting on this one for my BK to hit 6 months, TU was 632 and less than 30% util.

 

Bummer - oh well, ill try again in 3 months.


Sorry for the denial.  But save yourself the hardpull and don't apply in three months.  Give it at least a year.  Your BK is still very new and Barclays likes to see some history before approving.  So don't be hasty in your decision to apply.  Give it some time.

Message 3 of 7
CAMailman
Frequent Contributor

Re: Denied barclays rewards...

Barclay can be weird....I was approved for Barclay Rewards MC for $1,500 in September 2015....3 months POST BK7 discharge! (I got my first card the month before with Merrick Visa) go figure!

BK7 Filed 3/15, Discharged 6/15

Starting FICO 7/5/15: EQ: 490, TU: 497, EX: 477
Current FICO 3/28/19: EQ: 731, TU: 707, EX: 735

Current Cards my own:
Discover: Opened 11/15, SL: $1,500, Current CL: $6,000
Sears Citi MC: Opened 12/17 SL & Current CL: $5,000

AU on my wife’s cards:
AmEx ED: Current CL: $1,500 (Opened 1/16)
AmEx CMC: Current CL: $22,000 (Opened 11/18)
Chase Freedom Unlimited: Current CL: $11,900 (Opened 4/18)

CitiMortgage, Opened 12/17

My own AmEx Magnet Card, opened 8/20 SL $6,000
Apple Card 12/20 SL $5,000
Message 4 of 7
Harley14
Valued Contributor

Re: Denied barclays rewards...

I had to get the apple rewards first, did that on the apple website, 3 months later I asked for a PC change to the rewards. they granted it and also gave me a 700 SP CLI. your results may vary but thats how i finally got in with the barclay rewards.


EQ688
TU700
EX707

Message 5 of 7
imi
New Member
New Member

Re: Denied barclays rewards...

i just apply for this credit and unable to approve, no wan want to give me cards Smiley Sad

garbige fico 390
Message 6 of 7
Blackswizz750
Established Contributor

Re: Denied barclays rewards...

Barclay's has a long memory. I paid off what Indeed them in Oct 2009. They put the reason for the denial was because I used to have a card and it was charged off and they didn't use my credit report. Is this worth a recon.
Message 7 of 7
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