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$5,000 limit, pulled TU obviously, 776 score. 7 inquries at time of app.
Auto-declined due to “previous negative relationship”. Except there was never a previous negative relationship. As soon as the analyst said that I told him i’ve been down this road before and that card was closed with a zero balance three years prior to my BK. Then he put me on hold and came back to say he could offer me a reconsider and pulled my CR.
THEN he starts asking about my BK. I was like **bleep**! Told him it’s not on my report anymore so why does it matter? Evidently it matters because my mortgage still shows “reaffirmation of debt”. Well isn’t it a good thing that I didn’t stiff my credit union? Then I asked him when Barclays was going to fix this previous negative relationship nonsense. He does not know.
Poor guy. I think he approved the card just to get me off the phone. He was friendly though.
I am at 9/24 in case anyone is wondering about that. Perfect history with Barclays dating back to 2006 and a heavily used Wyndham card that’s been open three years.
Was going to replace the three i’m closing this year with one card that covers Global Entry but then I see that Choice properties in Tokyo use a measly 8k points a night so i’ll just pay the $100 GE fee out of pocket.
Thanks Barclays for the dysfunctional, but normally mutually beneficial relationship.
Great job making your way through all of the Barclays obstacles!
@Marz2002 wrote:Great job making your way through all of the Barclays obstacles!
Thanks. I know a lot of people don’t have nice things to say about Barclays, but i’ve never experienced adverse action from them. I have gotten an auto-CLI on my Wyndham card and have had more cards with them post-bk than with anyone else.
Sometimes you just have to be firm when they start asking silly questions.
You're welcome. EXCELLENT ADVICE!!!
@MAZDA3 wrote:
@Marz2002 wrote:Great job making your way through all of the Barclays obstacles!
Thanks. I know a lot of people don’t have nice things to say about Barclays, but i’ve never experienced adverse action from them. I have gotten an auto-CLI on my Wyndham card and have had more cards with them post-bk than with anyone else.
Sometimes you just have to be firm when they start asking silly questions.
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Congratulations!
Lmao that’s awsome!
Congrats on recon approval !!!!
@Talonwildstar wrote:Lmao that’s awsome!
Thanks. With Barclays it’s like Lady Gaga’s Bad Romance.