Stepped out the garden- Barclays Decline!😳😢

[Anonymous]

Step out the garden, did  my homework to determine if I had a chance and applied for the Barclay cash back card.  I was immediately declined.  I called the recon line and was told that I had a charge off with them from 9 years ago, yes 9 years!!!!  This doesn't appear on any one my bureau rpts.  The good thing is that the decline took place before they pulled my credit rpt, so I have no inquiry.  I tried to explain the circumstances behind the charge off and even asked how long will this effect me, they didn't know.  So I have now come to terms that Barclay is not in the cards for me, no biggie! Just was surprised that this old old debt is still in their database.

[Anonymous]

Some lenders have a very, very long memory.  If I am not mistaken I think I have read stories here of folks getting denied for an incident well beyond 9 years.

[Callandra]

It's not unheard for banks to blacklist 20+ years or lifetime (depending on how much they were burned for). You'll either have to wait,  pay it back, or plead your case to an U/W. 

[Anonymous]

Sorry to hear that...will you recon again?

[Anonymous]

bummer

[Anonymous]

Don't feel bad, Chase blacklisted me for 22 years until they were overwhelmed by my charm on a recon call :-)

[Anonymous]

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@Anonymous wrote:

Don't feel bad, Chase blacklisted me for 22 years until they were overwhelmed by my charm on a recon call :-)

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Overwhelmed by your charm, lol!  No, I'm over it now!  I'm really grateful that they did pull my credit though.  There are way too many credit card companies out here to stress out about Barclay.  I should have stayed in the garden.  I'm glad that Chase had a change of heart!

[TRC_WA]

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@Anonymous wrote:

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  There are way too many credit card companies out here to stress out about Barclay.

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... and most of them are a lot worse too.

Lenders having a long memory based on how much they were burned for is common... nothing new here.

[Anonymous]

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@TRC_WA wrote:

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@Anonymous wrote:

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  There are way too many credit card companies out here to stress out about Barclay.

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... and most of them are a lot worse too.

Lenders having a long memory based on how much they were burned for is common... nothing new here.

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You know lenders/banks are bailed out too and Barclay is not the end all.  You have to accept what you can't change.  If they don't want to extend credit, so be it!  It surely  will not prevent me from setting credit  goals and achieving them, just not with Barclay.

[Anonymous]

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@Anonymous wrote:

Sorry to hear that...will you recon again?

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No, I will not pursue them anymore.