Barclays Declined !!

[tntexans72]

Here's why.........

Based on the information you provided in your application, you did not score enough points when compared with other applicants. The primary reasons you did not score enough points are listed below:

• Low available credit on existing credit card(s)
• Low number of satisfactory accounts
• Insufficient credit history

* Low availale credit on existing CC ??

My current cards:

1. Chase Freedom $8K (available credit $7,800)

2. Chase Freedom Exclusives $8K (available credit $7,960)

3. Discover $15K AU (available credit $12,000)

4. Shell Gas Card $750 (available credit $700)

My UTIL % is under 10% on all my cards. I don't understand???

And to think I just closed a Chase Slate that has an available CL of $8,600, paid off and been a perfect customer since 1999.

*Low number of satisfactory accounts ??

I have one baddie (medical) in 9/2005. Since than, I have 5.6 yrs of perfect payments with no lates, etc.....

* Insufficient credit history ??

My oldest accounts is 21yrs ago with an avg. account age of 6.1 yrs.

All of this information is coming out of myfico.com.

This is what is all on my credit report.

Am I missing something here? I am shocked !!!

I guess I will wait til Monday to call the backdoor # to discuss.....

oh brotha.....lol.

[Anonymous]

RECON! Really, Barclays is pretty good with recons and human decisions.

[Anonymous]

Just call the backdoor .. You will get approved.. just be prepared with the info like what you planning to buy and stuff...

[Anonymous]

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@tntexans72 wrote:

Here's why.........

Based on the information you provided in your application, you did not score enough points when compared with other applicants. The primary reasons you did not score enough points are listed below:

• Low available credit on existing credit card(s)
• Low number of satisfactory accounts
• Insufficient credit history

* Low availale credit on existing CC ??

My current cards:

1. Chase Freedom $8K (available credit $7,800)

2. Chase Freedom Exclusives $8K (available credit $7,960)

3. Discover $15K AU (available credit $12,000)

4. Shell Gas Card $750 (available credit $700)

My UTIL % is under 10% on all my cards. I don't understand???

And to think I just closed a Chase Slate that has an available CL of $8,600, paid off and been a perfect customer since 1999.

*Low number of satisfactory accounts ??

I have one baddie (medical) in 9/2005. Since than, I have 5.6 yrs of perfect payments with no lates, etc.....

* Insufficient credit history ??

My oldest accounts is 21yrs ago with an avg. account age of 6.1 yrs.

All of this information is coming out of myfico.com.

This is what is all on my credit report.

Am I missing something here? I am shocked !!!

I guess I will wait til Monday to call the backdoor # to discuss.....

oh brotha.....lol.

---

Gotta agree with you, it really does seem strange.

Please do recon and let us know what happens.

[Anonymous]

Which Barclays card did you apply for?   Did you ask for a balance transfer? 

[smc733]

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@tntexans72 wrote:

Here's why.........

Based on the information you provided in your application, you did not score enough points when compared with other applicants. The primary reasons you did not score enough points are listed below:

• Low available credit on existing credit card(s)
• Low number of satisfactory accounts
• Insufficient credit history

* Low availale credit on existing CC ??

My current cards:

1. Chase Freedom $8K (available credit $7,800)

2. Chase Freedom Exclusives $8K (available credit $7,960)

3. Discover $15K AU (available credit $12,000)

4. Shell Gas Card $750 (available credit $700)

My UTIL % is under 10% on all my cards. I don't understand???

And to think I just closed a Chase Slate that has an available CL of $8,600, paid off and been a perfect customer since 1999.

*Low number of satisfactory accounts ??

I have one baddie (medical) in 9/2005. Since than, I have 5.6 yrs of perfect payments with no lates, etc.....

* Insufficient credit history ??

My oldest accounts is 21yrs ago with an avg. account age of 6.1 yrs.

All of this information is coming out of myfico.com.

This is what is all on my credit report.

Am I missing something here? I am shocked !!!

I guess I will wait til Monday to call the backdoor # to discuss.....

oh brotha.....lol.

---

That's not going to help at all...

But the two Chase accounts should be enough.

[mross1080]

Recon!

[vish1]

Is the AU account your oldest account? How old are your other cards?

[tntexans72]

Discover is from 1994, Chase is 2002 & 2008.

[tntexans72]

I have 3 inquiries on my TU last 2 yrs and zero inquiry last 12 months. Should I take the Discover AU off? Or could it been that medical collections from 2005?