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2nd recon success with Barclay

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Down_2Bizness
Regular Contributor

2nd recon success with Barclay

I applied for a Barclaycard financing Visa a few weeks ago, and to my surprise, was approved for $2000. I immediately called to recon because the Mac I wanted would put my utilization sky high. My $500 request was denied. I recently decided I want to get a different Mac, so today I called Barclay to find out if I could still get the special financing after the exchange although I am outside of my 10- day window. I figured while I had someone on the line, it wouldn't hurt to ask about the increase as well. The rep told me he saw that I had submitted a request previously, and placed me on hold to review my report, came back to the line, and Bam! Approved! I couldn't believe it! I guess I didn't answer the questions correctly a few weeks ago, or maybe I just got a nice guy today. Either way, I am happy with my new limit, and this is still the biggest one I have. Oh and he confirmed I can still get the special financing after the exchange. Winning!


Starting Score: EQ FICO 566 09/30/13
Current Score: EQ FICO 688 3/10/14 TU FICO 680 3/10/14 (Barclaycard) EX FICO 691 1/12/14 (LP)
Goal Score: 700
My Wallet: Capital One $1500 / Wells Fargo $1600 / J Crew $2050 / Victoria's Secret $2300 / Barclay Apple Financing Visa $2500 / Discover It $1700 / Home Depot $1100 / Delta Skymiles AmEx $1000

Message 1 of 8
7 REPLIES 7
coldnmn
Mega Contributor

Re: 2nd recon success with Barclay

Congrats! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 2 of 8
uswala
Senior Contributor

Re: 2nd recon success with Barclay

Congrats!

Message 3 of 8
djc1puno
Valued Contributor

Re: 2nd recon success with Barclay

persistance pays...congrats, op! Smiley Happy



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Message 4 of 8
alvon123
Super Contributor

Re: 2nd recon success with Barclay

congrats


Message 5 of 8
kkapdolee
Frequent Contributor

Re: 2nd recon success with Barclay

Congrats!

 

BTW, what is your new limit now?

[10%+] Internet, Cable, Cell phone
[5%] Gas, Grocery, Amazon, Airline tickets, Drug Stores, Dept. Stores, Target, MyHabit
[3%] Restaurants
[2%] Everything Else
Message 6 of 8
Down_2Bizness
Regular Contributor

Re: 2nd recon success with Barclay


@kkapdolee wrote:

Congrats!

 

BTW, what is your new limit now?


Thanks! My limit is now $2500.


Starting Score: EQ FICO 566 09/30/13
Current Score: EQ FICO 688 3/10/14 TU FICO 680 3/10/14 (Barclaycard) EX FICO 691 1/12/14 (LP)
Goal Score: 700
My Wallet: Capital One $1500 / Wells Fargo $1600 / J Crew $2050 / Victoria's Secret $2300 / Barclay Apple Financing Visa $2500 / Discover It $1700 / Home Depot $1100 / Delta Skymiles AmEx $1000

Message 7 of 8
myjourney
Super Contributor

Re: 2nd recon success with Barclay

Congrats 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 8 of 8
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