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None of this would have happened if i wouldn’t have left the garden..... Barclays!

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Established Member

None of this would have happened if i wouldn’t have left the garden..... Barclays!

So I’ve been gardening for maybe a month and a half after a ridiculous app spree. I was not supposed to come out until September. My app spree resulted in some pretty decent SL: Amex Delta 4K, NFCU 15K, LOC 8K, AMEX Gold NPSL. So i was set, all things considering, but i decided or rather life decided that my computer for school and my small business hit the tank so i needed a new one. I wanted to take advantage of the 18 month 0% apr financing through Apple, so i gave Barclays with Apple rewards a go.
Needless to say, I did the app, they pulled only TU. Got hit with a “call us for verification” message. After a 30 wait with a rep, they approved me for a WHOOPING $700 😕, which sucks because i wanted to use it for a Mac book pro and take advantage of the promo. Asked the rep for a higher limit, she came back with an answer of “we cannot not extend a higher SL as of now, however if you call back when you get your card in 7-10 days we can try to do a request for CLI and possibly see then”


That made absolutely no sense to me so, i called back to recon with one of the Backdoor numbers someone had listed on here. This time i was told it was because I have had too many inquires. Of course, i knew this would be the reason and I should have followed my first mind and not left the garden. I was itchy and definitely didn’t get scratched lol. BACK TO THE GARDEN I GO FOR GOOD THIS TIME. I feel like i made a mess of that Situation because i didn’t want to accept the $700 approval but if i would have closed the account then i would have taken a hit, but now i won’t be able to take advantage of the promotion; stuck between a rock and a hard place.


DP

TU 674
Util 5%
AaOa 5.7 years
Length of credit 11.2 years
Inq: 7 last opened account was 2mths ago

UPDATE: i was told by the rep that every time you try to get a CLI from them it is a HP. She stated that because i just got approved and they needed to do a review that it was a courtesy SP, but everyone after that would be a HP. That is disappointing because i will probably never want to waste a hard pull on this card.


NFCU Visa Signature 15k
NFCU LOC 8k
Discover IT $500
CAP ONE 1.5k
Amex Gold NPSL
Amex Delta Gold 4k
Amex Hilton 1k
Barclays Apple Rewards $700
PenFed LOC $500

EX: 689 TU:674 EQ: 667
10 REPLIES 10
Community Leader
Valued Contributor

Re: None of this would have happened if i wouldn’t have left the garden..... Barclays!

Congrats on the new card! I used to have that one myself. 

Discover It: 19.7k
Amex BCE: 18k
Citi DC: 5.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 2 of 11
Senior Contributor

Re: None of this would have happened if i wouldn’t have left the garden..... Barclays!

Congrats on your 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 3 of 11
Established Contributor

Re: None of this would have happened if i wouldn’t have left the garden..... Barclays!

Congrats on the approval, sorry to hear that the SL wasn't higher.  Maybe you'll get lucky and get an auto CLI at some point.

Message 4 of 11
Established Member

Re: None of this would have happened if i wouldn’t have left the garden..... Barclays!

Thank you!

 



NFCU Visa Signature 15k
NFCU LOC 8k
Discover IT $500
CAP ONE 1.5k
Amex Gold NPSL
Amex Delta Gold 4k
Amex Hilton 1k
Barclays Apple Rewards $700
PenFed LOC $500

EX: 689 TU:674 EQ: 667
Message 5 of 11
Senior Contributor

Re: None of this would have happened if i wouldn’t have left the garden..... Barclays!

Congratulations on your approval!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 6 of 11
Valued Contributor

Re: None of this would have happened if i wouldn’t have left the garden..... Barclays!

Congrats on the approval but bummer on the low SL. I would explain why you got the card to the rep, hopefully they can make an adjustment/increase.


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 7 of 11
Established Member

Re: None of this would have happened if i wouldn’t have left the garden..... Barclays!

I reconned 4 times to date, might be a loss cause. Ive read alot of posts stating that barclays dont keep a record of certain conversations, however, everytime ive called they mentioned the fact that I had just talked to someone else. 

 

Bummer......



NFCU Visa Signature 15k
NFCU LOC 8k
Discover IT $500
CAP ONE 1.5k
Amex Gold NPSL
Amex Delta Gold 4k
Amex Hilton 1k
Barclays Apple Rewards $700
PenFed LOC $500

EX: 689 TU:674 EQ: 667
Message 8 of 11
Frequent Contributor

Re: None of this would have happened if i wouldn’t have left the garden..... Barclays!

Congratulations on the approval....i think  =/

 

 


Message 9 of 11
Frequent Contributor

Re: None of this would have happened if i wouldn’t have left the garden..... Barclays!

Congratulations on your approval but, sorry you feel the very similar pain as I. They gave me a bit higher SL. And I’ve had them for a bit over a year with no CLI. So that card is in the dust drawer for a bit.
Capital One Quicksilver 6,300
5/3 Truly Simple 2,300
5/3 Trio 3,200
Barclay Apple 1k
Citi Rewards+ 6,100
Citi Double Cash 8,300
Citi Simplicity 1,500
Home Depot 1,000
Discover 7,500
BB&T Rewards 4,500 BB&T Bright Card 4,500 Fico 8 Scores EQ=690 EX=670 TU=666 Scores and CL current as of 7/24/19 AAoA=7yr6months AoOA=17yrs
Message 10 of 11
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