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Barclays Apple Rewards Recon Success

New Contributor

Barclays Apple Rewards Recon Success

I applied last night, was instantly declined.  I called the recon number 866-408-4064. TU pull of course, she looked over it and asked me why the amount of inquiries and why I had a late auto payment 2 years ago. I answered honestly, she put me on hold for a few minutes came back and told me I have been doing great with my payment history and uti and thats somehing they like to see, she approved me for $2k! Recon definitely works with Barclays!

 

Data Points:

TU FICO 642

14 inquiries

4 new accounts

4% uti

AAoA 2 years

1 medical collection 

CapOne QS1 $1.2k | Chase Freedom $1.5k | Discover $2.2k | Amex Everyday $1k | Amex PRG | Amazon Store $6k | Barclays Apple Rewards $3k | Regions Life $2.5k | Lexus Pursuits $3.3k | PayPal MC $5k | CSP $5k | WF CashWise $2k
Message 1 of 14
13 REPLIES
Senior Contributor

Re: Barclays Apple Rewards Recon Success

Message 2 of 14
New Contributor

Re: Barclays Apple Rewards Recon Success

I was honest with her and told her I was dumb in my early 20s, and trashed my credit so I've been rebuilding the past 2 years. I told her I have been actively applying for cards while rebuilding and pointed out they are all at a $0 balance, and reporting $0 balance except for Discover is at $53. She liked that. 

CapOne QS1 $1.2k | Chase Freedom $1.5k | Discover $2.2k | Amex Everyday $1k | Amex PRG | Amazon Store $6k | Barclays Apple Rewards $3k | Regions Life $2.5k | Lexus Pursuits $3.3k | PayPal MC $5k | CSP $5k | WF CashWise $2k
Message 3 of 14
Senior Contributor

Re: Barclays Apple Rewards Recon Success

Nice work being honest.

 

Recon stories are great, thanks for sharing.  It goes to show that if a person who was declined really wants a new TL and can prove they're less of a risk, lenders might be willing to stretch their underwriting standards beyond what a robot algorithm states.

 

I've never reconned a decline yet -- waiting to get my FICO scores back to the 650s before I attempt one.  

Message 4 of 14
New Contributor

Re: Barclays Apple Rewards Recon Success

I agree and I think it helps to be prepared so you can quickly, efficiently, and confidently answer their questions. Smiley Happy

CapOne QS1 $1.2k | Chase Freedom $1.5k | Discover $2.2k | Amex Everyday $1k | Amex PRG | Amazon Store $6k | Barclays Apple Rewards $3k | Regions Life $2.5k | Lexus Pursuits $3.3k | PayPal MC $5k | CSP $5k | WF CashWise $2k
Message 5 of 14
Established Member

Re: Barclays Apple Rewards Recon Success


JimmyWayne wrote:

I applied last night, was instantly declined.  I called the recon number 866-408-4064. TU pull of course, she looked over it and asked me why the amount of inquiries and why I had a late auto payment 2 years ago. I answered honestly, she put me on hold for a few minutes came back and told me I have been doing great with my payment history and uti and thats somehing they like to see, she approved me for $2k! Recon definitely works with Barclays!

 

Data Points:

TU FICO 642

14 inquiries

4 new accounts

4% uti

AAoA 2 years


Congratulations on your Barclay approval! Recon line is a life saver.


Message 6 of 14
Community Leader
Super Contributor

Re: Barclays Apple Rewards Recon Success

Way to recon with Sir BarclaysSmiley Happy

To obtain Credit One Kenobi status upon 0/24 is to Garden Harden!!
Message 7 of 14
Established Contributor

Re: Barclays Apple Rewards Recon Success

Congrats.  How do you all get those pics of your credit cards and amounts to show up on every reply.  

EQ 669, TU 679, EX 679. Navy Signature Go Rewards 15K, Navy Signature Cash Rewards 16K, Navy AX Rewards 14.4K, Navy CLOC 15K, Navy Mortgage 120K, Navy ATV Loan 14,990K, FLCU Auto 48.7K, FLCU Visa 7.5K, FLCU Visa 1K, AFCU 5K, AFCU Line of Credit 4K, John Deere 15K, Suncoast TB Rays Cash Rewards 6K, Cap1 QS 5K, USAA Rate Advantage 5K, USAA AX Card 9K, State Farm Rewards 2.5K, Paypal Credit 2.8K, Cabela's 2K, Chevron & Texaco Visa 6K, BMO Harris Bank 1.5K, BOA Bass Pro 1.5K, 5/3 Stand up to cancer 4.5K, 5/3 Truly Simple 4K, 5/3 Trio 4K, Amazon Store Card 5K, Lowes 17K, TBFCU 5K, BBT Spectrum 4.5K, BBT Bright 3.5K, BBT Bright 4.5K, Banco Do Brasil Americas 4.2K, Kays Jewerly 2K, AX Green Charge, AX Delta Gold 1K, Morgan Auto Group 1.6K, Kohls 700.
Message 8 of 14
Highlighted
New Member

Re: Barclays Apple Rewards Recon Success

I have a similar story. Did an online application for the Apple Rewards card and got the decline via letter today. I called the above-referenced number and spoke with one rep and had to explain my bad credit history. After speaking to him, I was passed to another rep who asked me some security questions. At the end of the call, I was approved for a 2,500 credit limit. My TU credit score currently is at 631.

Message 9 of 14
Established Contributor

Re: Barclays Apple Rewards Recon Success

Excellent job on the recon approval!! Congratulations!!!

In the wallet:
Amex PRG ~ Amex BCE ~ Discover ~ NFCU Cash Rewards Visa Signature ~ NFCU Platinum Visa ~ NFCU Line of Credit ~ Chase Amazon Prime Visa Signature ~ PenFed Cash Rewards Visa ~ PenFed Promise Visa ~ Fairwinds Credit Union Cash Rewards Visa ~ CapOne QS1 ~ Lowes Store Card

Closed on mortgage 8/9/17!! Woot!
Message 10 of 14