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So I haven't had any credit cards mainly autos. I paid 2 off and I'm on my 3rd with no late payments ever reported. No collections, no lates. 7 recent inq with TU and 2 recent inq on Eq. Recently I was approved for the Walmart Card $1,700, Chevron $300, Amazon $600, Care Creddit $500 (not really going to use it but it'll be nice to have for emergencies hopefully I can get my limit up)
I applied for the Barclaycards Carnival I was instantly denied. After reading on here I called the recon number the following morning. Spoke with a nice rep and they asked me some questions. Income is a verifiable $79,988 not counting profits from houses that I close on during the year. After a few questions he approved me for $1,500! I was so excited. I was however declined Amex and Chase. They pulled EX and that report is all out of date! Either way I'm still pleased. Will be applying for another barclaycard after I put my new one to use some!
@Anonymous wrote:So I haven't had any credit cards mainly autos. I paid 2 off and I'm on my 3rd with no late payments ever reported. No collections, no lates. 7 recent inq with TU and 2 recent inq on Eq. Recently I was approved for the Walmart Card $1,700, Chevron $300, Amazon $600, Care Creddit $500 (not really going to use it but it'll be nice to have for emergencies hopefully I can get my limit up)
I applied for the Barclaycards Carnival I was instantly denied. After reading on here I called the recon number the following morning. Spoke with a nice rep and they asked me some questions. Income is a verifiable $79,988 not counting profits from houses that I close on during the year. After a few questions he approved me for $1,500! I was so excited. I was however declined Amex and Chase. They pulled EX and that report is all out of date! Either way I'm still pleased. Will be applying for another barclaycard after I put my new one to use some!
Here's some unsolicited advice. Don't apply for another Barclays card for awhile.
1. They won't give you another card within 3 months.
2. They're hypersensitive to recent inquiries & new accounts, with Barclays or with anyone else.
Barclays is odd so you might want to go for an Amex BCE or a Cap One QS or something like that, or
perhaps a credit union card, when you're ready to apply for something else.
In my opinion you should just chill out on applications for awhile, and avoid any new store cards.
Thanks for your reply! Nice to meet you. I definitely won't be applying for any in a while. Like I said I want to put some use on it for a while before trying to apply. I think May I will try for another Barclaycard. I was denied an Amex. They said due to a charge off from 2011 for the amount of $800. It was a civil collection which I disputed an had removed in 2011. So idk i think I'll stay away from amex for a while!!! I was really please with barclay customer service. It was great. I think after 2 months I'll ask for a cli maybe I'm not sure though!
Major Congrats!!! However, they verified your income at 80K
and only gave you 1500???!!! Man, they've been so stingey
as of late I don't know what to think of Barclays anymore. The
Rep was nice and all & that's great...but I've always believed
its my credit report, history and worthiness and I do and send
my business and my purchases thru them because Im treated
well and with respect and not taken for granted or advantage of.
I guess I'm just old fashion or something and expect my Creditor
to treat me fairly and well when researching my credit file.
Yea I know right! But it is because I was recently approved for the other cards and with little activity on them they said to wait once I have some activity to show with my creidt accounts. Same reason they denied me for the Barclay Windom. They said give it a couple months to show some activity on my report. Right now there too new. So hopefully in a few months I'll re apply for another Barclay card then wait it out until the new year again. Only thing reporting is my auto and shows my 2 closed autos I paid off.
Hello, no the collections wasn't with Amex. They declined me because of it showing on my report that I had a civil judgment collection or pulic record collections for $800 in April 2011. Then name was spelled incorrectly as well from another state. I don't know how the account was on my report I disputed it back in 2011 and it was removed. As far as my cards. Barclay's knew of the cards as they were all applied for! Approved and on my report as open accounts already. Barclay was they last one I applied for. Like I said though I'm not worried about applying for another card any time soon. I think the ones I have already are great start for now!
I want a Barclays card and with a 754 TU fico score I have the score for it but I also have a lot of new accounts opened under a year old that they will deny me for. I have 6% utilization across the board but the new accounts will get me a denial. I haven't had a new inquiry for over 4 months so I was just going to wait a few more months before wasting a hard pull for nothing. get some of my new accounts over a year. has anyone been approved with new accounts lately?