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Barclay Ring Denied then approved with Recon

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Valued Member

Barclay Ring Denied then approved with Recon

I was having no luck with EX and EQ pulls to try to get a BT card and drop my utilizations. I had less pulls on TU being in CA. I decided to try barclays after much research and hesitation. called in to app over phone (800)308-6008 and was told i would receive denial letter in 30 days. I called recon number to speak with analyst (866)205-5973. Steven was cool. He said there was too much debt (12k) on cards, and a recent 8k onemain loan. I said i have paid off some of these balances and my score has been increasing and utilization has been going down. he asked income 120k and at my job 9 months. He asked where my debt came from. I said my last job wasnt as high of income and debt came from everyday expenses while at my last job. He then asked how long i plan to carry balances aka how long do i expect to have all of my balances paid off, i said i am paying 2k per month and will be done in 6 months max. He put my on hold and approved with 2500 limit to start. I may app for their uber card as well just to help drop utilizations faster.

Starting Score: 560(2015)
Current Score: 720(middle)
Goal Score: 760


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9 REPLIES 9
Senior Contributor

Re: Barclay Ring Denied then approved with Recon

Congratulations on the approval!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 2 of 10
Community Leader
Mega Contributor

Re: Barclay Ring Denied then approved with Recon

CongratsSmiley Happy

I'd be wary of trying for the Uber card too seeing how much you had to go through to get this card. Barclays doesnt like lots of new accounts and Uber seems to be a big card for them. Keep bringing down your debt and revisit Uber in 6 months would be my opinion.
#ChaseCreditCardHobby Enthusiast
2022
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Message 3 of 10
Valued Contributor

Re: Barclay Ring Denied then approved with Recon


@AverageJoesCredit wrote:
CongratsSmiley Happy

I'd be wary of trying for the Uber card too seeing how much you had to go through to get this card. Barclays doesnt like lots of new accounts and Uber seems to be a big card for them. Keep bringing down your debt and revisit Uber in 6 months would be my opinion.

+1111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111111 PLEASE DON'T POKE THE BEAR Smiley Happy

Message 4 of 10
Valued Member

Re: Barclay Ring Denied then approved with Recon

Yes I realized that would be stupid and I refrained. My TU was 699 fico 8. Byw
Starting Score: 560(2015)
Current Score: 720(middle)
Goal Score: 760


Take the myFICO Fitness Challenge
Message 5 of 10
Valued Contributor

Re: Barclay Ring Denied then approved with Recon


@CenturionHolder1Day wrote:
Yes I realized that would be stupid and I refrained. My TU was 699 fico 8. Byw

The reason why we say that is they have shut down many people cards after opening up more than 1 or 2 cards etc

Message 6 of 10
Valued Contributor

Re: Barclay Ring Denied then approved with Recon

Congrats.  Good call on abstaining from a second app at present.



Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 7 of 10
Senior Contributor

Re: Barclay Ring Denied then approved with Recon

Congrats on approval

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 8 of 10
Valued Member

Re: Barclay Ring Denied then approved with Recon

I think I'll garden and pay down debt until january


@JoeLuvsHisCredit wrote:

@CenturionHolder1Day wrote:
Yes I realized that would be stupid and I refrained. My TU was 699 fico 8. Byw

The reason why we say that is they have shut down many people cards after opening up more than 1 or 2 cards etc


 

Starting Score: 560(2015)
Current Score: 720(middle)
Goal Score: 760


Take the myFICO Fitness Challenge
Message 9 of 10
Valued Contributor

Re: Barclay Ring Denied then approved with Recon


@CenturionHolder1Day wrote:

I think I'll garden and pay down debt until january


@JoeLuvsHisCredit

Sounds like a great plan Smiley Happy Good luck in Jan Smiley Happy 


 

Message 10 of 10
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