Ever see a credit card refusal like this?

[jwduke]

Card Services
P.O. Box 8828
Wilmington, DE 19899-8828

January 21, 2012

RE: Application ID# 31404339

Dear ROGER

Thank you for your recent application for a credit card issued by Barclays Bank Delaware.

We regret that we're unable to approve you for a credit card account due to the following reason(s):

• Because of current regulations, we cannot approve accounts for people using an Iowa address. A credit bureau report was not used in making this determination.

For assistance with any other questions regarding this letter, please contact us at:

Card Services

P.O. Box 8828

Wilmington, DE 19899-8828

Sincerely,

Card Services

I can't get a Barclay's card because I live in Iowa???

[Anonymous]

That's really strange.. the only states I ever remember seeing the additional discolures for on apps are NY, OH and WI. I wonder if there's something in Iowa CC laws they don't like? Or maybe there's a pending lawsuit against them or something so they don't want to deal with Iowa.

Either way, very odd.

[jwduke]

Thanks for the reply, Andy. Wonder if that also applys to L L Bean?

[pizzadude]

Wow that is bizarre ~ I have never heard of the Iowa blacklist.

Is there anything unique there about laws pertaining to credit cards/interest rates, etc.... ??

[LS2982]

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@jwduke wrote:

Card Services
P.O. Box 8828
Wilmington, DE 19899-8828

January 21, 2012

RE: Application ID# 31404339

Dear ROGER

Thank you for your recent application for a credit card issued by Barclays Bank Delaware.

We regret that we're unable to approve you for a credit card account due to the following reason(s):

• Because of current regulations, we cannot approve accounts for people using an Iowa address. A credit bureau report was not used in making this determination.

For assistance with any other questions regarding this letter, please contact us at:

Card Services

P.O. Box 8828

Wilmington, DE 19899-8828

Sincerely,

Card Services

I can't get a Barclay's card because I live in Iowa???

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This country is in a recession................j/k

[LS2982]

Did you try calling in about it??

[jwduke]

I googled the refusal reason, seems as there are too many consumer complaints in Iowa, against Barclays Bank US......

[Anonymous]

No need to call...just reviewed the Barclays Rewards Card application and came across this section in terms of conditions page 

About Your Application and This Offer:  Depending on our review of your application and your credit history or if the income you report is insufficient based on your current obligations, we may be unable to open an account for you, or you may receive a World or Platinum card. Platinum benefits differ from World benefits.  You also understand that if your application is approved for an account, the APR and the type of account that you receive will be determined based on your creditworthiness. Please review the materials provided with your Cardmember Agreement for more details. Omission of any information requested on this application may result in a denial of credit.  This offer is available only to applicants who are permanent residents of the United States, with the exception of Iowa and Puerto Rico.This offer may not be available to you if you already have or have had a Credit Card account with us.

[LS2982]

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@jwduke wrote:

I googled the refusal reason, seems as there are too many consumer complaints in Iowa, against Barclays Bank US......

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Did you call them about it??

[LS2982]

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@Anonymous wrote:

No need to call...just reviewed the Barclays Rewards Card application and came across this section in terms of conditions page 

About Your Application and This Offer:  Depending on our review of your application and your credit history or if the income you report is insufficient based on your current obligations, we may be unable to open an account for you, or you may receive a World or Platinum card. Platinum benefits differ from World benefits.  You also understand that if your application is approved for an account, the APR and the type of account that you receive will be determined based on your creditworthiness. Please review the materials provided with your Cardmember Agreement for more details. Omission of any information requested on this application may result in a denial of credit.  This offer is available only to applicants who are permanent residents of the United States, with the exception of Iowa and Puerto Rico.This offer may not be available to you if you already have or have had a Credit Card account with us.

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Oh wow...........They muct have have like a class action lawsuit or something big against them from Iowa for them to totally deny Iowa residents.