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Barclays denied, but.. Approved on Recon!

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Barclays denied, but.. Approved on Recon!

Received in the mail a decline from Barclays, bummer, I thought my score as good, TU is 782 I thought I had a chance. When I read why, this was the reason: insufficient number of credit cards with active balance.

 

I remembered reading up on reconsideration. So I would call later this evening, after speaking with the Rep on the line I was approved for 2k, and I wouId have my card in 5 days. I'm very happy with that. After the call I was wondering if I could if asked for 5k, but again I was happy.

Starting over and gradually working my way up.  

 

Only have 3 credit lines, an AU on Citi for 2550, WF 1000 and my home loan. I had some old medical collections I thought were resolved, they drop off but came back on. I’m working on them. Only have 2 inquiries from 06/17 from my home loan. Haven't tried to apply for anything up untill now.

 


Message 1 of 13
12 REPLIES 12
Moderator

Re: Barclays denied, but.. Approved on Recon!

Hi @Pro-X and welcome to the myFICO forums!

 

Congrats on being able to have the decision reversed and get approved.  I have updated the thread title to reflect the latter.

 

FYI, try to keep your edits to a minimum to avoid the spam filter flagging your thread Smiley Happy

Message 2 of 13
Valued Contributor

Re: Barclays denied, but.. Approved on Recon!

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATS on your Approval, the Very Nice SL, Thanks for the DPs, and Welcome to the FORUMS!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $15.5K | OpenSky $300 BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) | BBVA Compass Rewards VS $10.5K |
Apple Card MC $6K | NFCU cashRewards $1K
TCL - $114K+ | Rebuilding since April 2018
Message 3 of 13
Established Contributor

Re: Barclays denied, but.. Approved on Recon!

Congrats on the recon and getting your new card.





~~ Former Royal Navy Submariner - Proud to have served ~~
Message 4 of 13
Valued Contributor

Re: Barclays denied, but.. Approved on Recon!

Congrats on the approval and recon!


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 5 of 13
Senior Contributor

Re: Barclays denied, but.. Approved on Recon!

Congrats on your recon 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 6 of 13
Community Leader
Valued Contributor

Re: Barclays denied, but.. Approved on Recon!

If you had had a single card with a $6 balance, the reason would have been “too many cards with active balance” lol. Congrats on a great recon!!
Discover It: 19.7k
Amex BCE: 18k
Citi DC: 5.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 7 of 13
Frequent Contributor

Re: Barclays denied, but.. Approved on Recon!

Very nice recon work.
$1,000 is a lot to owe, yet little to have.
Credit Cards

Debit Cards




Message 8 of 13
Frequent Contributor

Re: Barclays denied, but.. Approved on Recon!

Thnx, for updating the title. I read what I wrote and I became my own grammer critic. 

 


Message 9 of 13
Regular Contributor

Re: Barclays denied, but.. Approved on Recon!


@Pro-X wrote:

Received in the mail a decline from Barclays, bummer, I thought my score as good, TU is 782 I thought I had a chance. When I read why, this was the reason: insufficient number of credit cards with active balance.

 

I remembered reading up on reconsideration. So I would call later this evening, after speaking with the Rep on the line I was approved for 2k, and I wouId have my card in 5 days. I'm very happy with that. After the call I was wondering if I could if asked for 5k, but again I was happy.

Starting over and gradually working my way up.  

 

Only have 3 credit lines, an AU on Citi for 2550, WF 1000 and my home loan. I had some old medical collections I thought were resolved, they drop off but came back on. I’m working on them. Only have 2 inquiries from 06/17 from my home loan. Haven't tried to apply for anything up untill now.

 


Do you know what you were rereading for on reconsideration? 

Michigan Schools & Gov't Credit Union Classic Visa Card | $3kDiscover Student Cash Back | $2300Capital One Savor Card v1 | $11k AUAmex 1.5% CB | $3.1kBest Buy Store Card | $3k

July 2018
Ford Credit Loan $199.26/month (3 yrs)
January 2019
Discover Cash it Card $500
Michigan Schools and Gov't CU Card $1,000
February 2019
Self Lender Loan (Closed July 2019)
May 2019
Discover CLI $1.2k
July 2019
Discover System CLI $600
Amex $2,000
Best Buy Store Card $3,000
October 2019
MSGCU CLI $2k
Dec 2019
Amex $1,100 CLI

Eyes on Credit Cards
BoA Cash Rewards (with or without Student Verison)Gas Card with 5% Cashback w/ no AF2% Cashback EverythingDining & Entertainment Category Card
Message 10 of 13
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