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Im calling tomorrow to recon for Barclaycard. I have one CO from 2010...how should I go about explaining it? The real reason it didnt get paid on time was because I was 20 years old and stupid. Should I just be honest? Any other recon advice would be great too!
@Buckeye07 wrote:Im calling tomorrow to recon for Barclaycard. I have one CO from 2010...how should I go about explaining it? The real reason it didnt get paid on time was because I was 20 years old and stupid. Should I just be honest? Any other recon advice would be great too!
Was that the reason for denial?
Im not sure...I apped yesterday and got the 7-10 day message. Went to the online app status check site and said I was denied. Although I called CSR after I got the 7-10 day message to check status and she said "the system has not received/updated with the app yet". When I talk to customer service I often take what they have to say with a grain of salt. Waiting for recon dept to open back up tomorrow morning...
I already have the rewards card with them that I opened in december. All payments have been made on time. My credit report is virtually the same as when I applied in december except with 7 more months of on time CC and car loan payments. Except probably 2 or so more INQ
@Buckeye07 wrote:Im not sure...I apped yesterday and got the 7-10 day message. Went to the online app status check site and said I was denied. Although I called CSR after I got the 7-10 day message to check status and she said "the system has not received/updated with the app yet". When I talk to customer service I often take what they have to say with a grain of salt. Waiting for recon dept to open back up tomorrow morning...
I already have the rewards card with them that I opened in december. All payments have been made on time. My credit report is virtually the same as when I applied in december except with 7 more months of on time CC and car loan payments. Except probably 2 or so more INQ
Thats probably your reason (new accounts)
Good luck fingers crossed
If that is the case, or if its brought up, how should I address it?
@Buckeye07 wrote:If that is the case, or if its brought up, how should I address it?
How many total INQ's and what was reason?
I assume these were all after there approval right?
15 total INQ, 7 this year, (2 were from aparment complexes as we are looking to move next month, 1 from Barclays in April from a CLI request, and the other 3 from CC companies)...by the way I just refreshed my TU report (which is what they pulled) and the collection account has been deleted per a dispute! About 24 hours late but nonetheless its gone now. Should I offer for them to refresh my report?
@Buckeye07 wrote:15 total INQ, 7 this year, (2 were from aparment complexes as we are looking to move next month, 1 from Barclays in April from a CLI request, and the other 3 from CC companies)...by the way I just refreshed my TU report (which is what they pulled) and the collection account has been deleted per a dispute! About 24 hours late but nonetheless its gone now. Should I offer for them to refresh my report?
Explain it just like you did here apartments etc etc
Not sure if I would mention CLI's as it says seeking new limits unless asked.
Your choice if you allow another HP
Let them ask the questions and answer honestly don't offer info not asked
Explain why you want the card also if asked
Good luck
Be prepared for a Credit Lecture™ as those analysts can go on forever about why you don't deserve to get the card. I bet those 3 HP from other cards might be spooking them. Whatever you do be honest and polite. They don't seem to react well to our typical got the new cards for specific reasons bla bla bla and would like this card because of the stellar features bla bla bla. They are a solid hardcore unit that don't crack well or so it's been my experience.
Good luck!
@scenery_guy wrote:Be prepared for a Credit Lecture™ as those analysts can go on forever about why you don't deserve to get the card. I bet those 3 HP from other cards might be spooking them. Whatever you do be honest and polite. They don't seem to react well to our typical got the new cards for specific reasons bla bla bla and would like this card because of the stellar features bla bla bla. They are a solid hardcore unit that don't crack well or so it's been my experience.
Good luck!
+1 be very prepared to explain everything on your file. Good luck!