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Oh Barclays !!!

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yomellamoFICO2013
Regular Contributor

Oh Barclays !!!

After reading several sticky postings about how good and bad Barclays is, I applied last night...i got the 7-10 day message. Called the recon line,got the definitive NO
Barclays CSR said they wanted to see payment history on my TU CR.

I guess that's a lesson learned.
BTW the pulled TU,which I had some baddies removed and i just got approved for GE cards (Amazon and Walmart) last month. Score is at 676.
Time to play the waiting/gardening game.
One more Hard pull on TU. Two to fall off next month.

Thank you for reading and posting your comments.

I know i should've waited, I take responsibility for being impatient.


CURRENT TLS:

AMAZON $2K/ WALMART $2K /DCU $3K DELTA AMEX $1K
DISCOVER $1.2K/ PAYPALEXT $2K /COSTCOTU $1.2K

UPDATED 8/1
EQ
8/1/13 EQ 694 - (myfico) -
7/26/13 EQ 694 - (DCU)
9/10 EQ 701 - (myfico)

EX
9/8 - EX 707 (usaa/EX)

TU
6/18 TU 690 (myfico)
7/2 TU 694 (Walmart)
8/8 TU 676 (Walmart)
9/6 TU 676 (Walmart)
Message 1 of 4
3 REPLIES 3
Pilotdude
Established Contributor

Re: Oh Barclays !!!

Sorry you did not get approved.  At least now you know what it is they are specifically wanting to see though. Smiley Happy


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Message 2 of 4
unusuallyconfused
Regular Contributor

Re: Oh Barclays !!!

It's always a lesson learned but I'll tell you one reason why I walk away with a rejection fairly happy:

 

most of them will give you speicfic reasons. In your case, they wanted to see a history.

 

I collect all these rejection letters and take notes on the phone with these guys and then see what my biggest issue is. 

 

Right now, you know WHY they won't take you.

 

In theory, fix the problem and then reapply and in theory you should get approved (unless somebody else gives you yet a different reason).

 

So take the rejections to heart and keep notes on why you're rejected and then take action to fix those deficiencies. I guess that's why "gardening" is???

USAA Rewards VISA (7,500 - 03/2013) / DiscoverIT (6500 - 03/2013) / Cap One Platinum MC (2750 - 03/2013) / Credit One Platinum VISA (750 - 03/2013) / First Premier Bank MC (300 - 02/2013) / FingerHut/WEBBANK (5200.00 - 02/2013) / Victoria's Secret/Comenity (1500 - 03/2013) / PayPal Smart Connect/GECRB (2900 - 03/2013) / Lowe's/GECRB (2800 - 03/2013) / Amazon.com/GECRB (4500 - 03/2013) / Chevron Texaco/GECRB (1950 - 03/2013) / J.C. Penney/GECRB (2150 - 02/2013) / Target (750 - 07/2013) / Abercrombie & Fitch/Comenity (1850 - 07/2013) / CareCredit/GECRB (4500 - 08/2013) / DCU Visa (2000 - 11/2013) / NFCU Sig cashRewards Visa (7000 - 11/2013) - MilitaryStar/Chase (4700 /12/2013)

Message 3 of 4
youngandcreditwrthy
Senior Contributor

Re: Oh Barclays !!!

I got a 6500 Travelocity Amex on recon with that exact same 676 TU Fico.

Ive had cred cards since 06 though lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 4 of 4
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