On my wife's behalf, I went on a spree. I got 4 approvals and one declination. I've posted about the approvals elsewhere.
At the spree time, she has 750 with TransUnion (Barclays ran that), one 14 month old hard inquiry, one 14 month old new account and two 6+ year old student loans. She's also an authorized user on five of my credit cards.
The one declination was Barclays JetBlue. After learning a bit in this forum and coaching my wife on what to say, I got her to call Barclays.
The fellow asked her whether she was responsible for my cards. She answered no. He also asked her, why she had no credit cards from 1988 to 2021. She answered that she used debit cards and was too busy raising kids to shop much.
That satisfied the Barclays representative who said he'd recommend the card for approval and, given the lateness in the day, she should call another department the next day to finish the process. He also said that he tried to access her report, but that it was frozen (done by me at the end of the spree). When she called the next day, they told her that they'd already approved the card.
Approved for $2,000.
Now none of this is earth shattering. I'm a little suprised that Barclays tried to re-run her report, but didn't care much when it was frozen. I'm most surprised that they could pinpoint accurately a year, 34 years ago, when she stopped using much credit. What other sources of information that banks use go back this far?
Congrats on the approval!
Congrats on DW's Barclays JetBlue approval
Congrats to your wife on her Barclays JetBlue approval and for her having an awesome credit coach!!! 
Congratulations on your approval! 🎉
@CreditMagic7 wrote:I can tell you from personal experience with Barclay's U/W interrogators. They are the dead level best in the business at grilling you when trying to overturn a denial. Absolutely splendid answers she gave them! In a way it is earth shattering to pull out a victory after discussion. I wish all the best going forward that card will grow. Frankly i had no issue with Barclays except the butting heads on a recon. They actually gave me my first highest limit Prime Card $5K when i first started building a card portfolio profile. Wheee. Still miss their Ring Card to this day.
Congratulations on the Barclays JetBlue successful approval from recon!!
Your statement about the Ring card jumped out at me. Their old Ring card was incredible, I thought. Low interest, no balance transfer fee, nominal cash advance fee. But I was only comparing it to other bank cards.
Then I learned about credit unions. The old Ring card was just like the best credit union non-rewards platinum cards, except that the credit union ones were even better. There are plenty of credit unions offering low interest, non-rewards platinum cards with no balance transfer fee and no cash advance fee.
@D10001 wrote:On my wife's behalf, I went on a spree. I got 4 approvals and one declination. I've posted about the approvals elsewhere.
At the spree time, she has 750 with TransUnion (Barclays ran that), one 14 month old hard inquiry, one 14 month old new account and two 6+ year old student loans. She's also an authorized user on five of my credit cards.
The one declination was Barclays JetBlue. After learning a bit in this forum and coaching my wife on what to say, I got her to call Barclays.
The fellow asked her whether she was responsible for my cards. She answered no. He also asked her, why she had no credit cards from 1988 to 2021. She answered that she used debit cards and was too busy raising kids to shop much.
That satisfied the Barclays representative who said he'd recommend the card for approval and, given the lateness in the day, she should call another department the next day to finish the process. He also said that he tried to access her report, but that it was frozen (done by me at the end of the spree). When she called the next day, they told her that they'd already approved the card.
Approved for $2,000.
Now none of this is earth shattering. I'm a little suprised that Barclays tried to re-run her report, but didn't care much when it was frozen. I'm most surprised that they could pinpoint accurately a year, 34 years ago, when she stopped using much credit. What other sources of information that banks use go back this far?
Congratulations on the approval. Reconning with Barclays is a tough assignment 