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Decided to app for the Barclays Apple today while my reports are unfroze. I was denied and the only thing I can think of is maybe inquiries or the newer TLs reporting (all pif so utility should be near 0) on TU since my report is clean and absolutely nothing is late-ever. Scores are above average (see sig). I will call backdoor on Monday to do a recon however Im a little nervous about it, not sure what to expect. I need that MacBook!!!! How do I approach the call guys?
*UPDATE 10/8*
Made the recon call today. Talked to a really nice, english speaking rep,who went over my entire report, asked a few questions about salary, but told me because my credit card history was too new that I needed 6 months time to show history. She told me it looks like everything else has been handled exceptionally well but they need 6 months of cc history. I did not fight her but my NEWEST cards are within the last few months. I've have two others that are years old, rather large-and in good standing , paid off in full and still reporting. I think I will wait and try again tomorrow. No mention whatsoever of inquiries which is what I thought it would be.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
@beautybrainsbooty wrote:
Decided to app for the Barclays Apple today while my reports are unfroze. I was denied and the only thing I can think of is maybe inquiries or the newer TLs reporting (all pif so utility should be near 0) on TU since my report is clean and absolutely nothing is late-ever. Scores are above average (see sig). I will call backdoor on Monday to do a recon however Im a little nervous about it, not sure what to expect. I need that MacBook!!!! How do I approach the call guys?
Barclay tends to be inquiry sensitive. Re:the call, just tell them that you want the app reconsidered, and hint that you are trying to make an Apple purchase and want to use their card to do it because of the special terms. Explain whatever they ask about in the best light possible without lying, and hope for the best.
Flat out denied. OMG. Monday is indeed a holiday. It hurt too, because I have been getting nothing but approvals lately lol. So do I go to a credit analyst or the main customer service number listed on the BD numbers??
@beautybrainsbooty wrote:Flat out denied. OMG. Monday is indeed a holiday. It hurt too, because I have been getting nothing but approvals lately lol. So do I go to a credit analyst or the main customer service number listed on the BD numbers??
866-408-4064
They may be closed since it is a weekend and a holiday weekend at that. If so, try the regular number.
@LS2982 wrote:
Barclays is amazing with recons, you'll get it! Fingers crossed for you!!
Oh I wish that were true! I was denied recon. To be fair my uti is high right now...37% and I had 2 chargeoffs and 1 collection from 2007/2008. He suggested paying down my CC's and paying off my chargeoffs/collection. (
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
Barclay probably gave me the easiet recon to date.
just asked a few questions about my file, and why I wanted the card.
Told them I was rebuilding, and I wanted to buy an ipad at the local apple store (which I did not buy - just wanted the card) and they matched the CL of my highest card and boom, done.