Barclays Card Reconsideration

[gnarlywood]

With my newly scrubbed TU report (only baddie is a 60-day late in Mar 03), I decided it was a great time to find a TU-friendly product. After searching the pulls database, I decided Barclays Virgin America was the way to go.

 

I have a TU 672 FICO, killed mostly by high utilization (75%). I expected a computer denial because of that (and because in the past year I have 3 INQ -- 2 frivolous CAs and 1 for tenant screening). My credit history is pretty solid, with a 10 year old CapOne anchor (still open) and 2 cards that I've had for over a year now, along with many 9-11 year old satisfactorily closed accounts that my parents didn't get to ruin.

 

I'm gonna call for a recon, of course. To be honest, my UTIL is so high because I didn't want to be balanced chased as all portfolios were heavily reviewed over the past year, particularly on my WaMu-turned-Chase card with my highest limit ($1500... I figured I needed to make sure I keep a limit over $1000 so I don't get stuck in the dumps... my CapOne card is half that and the other is a toy $300 HSBC card that I've used for & paid off nearly $5000 in regular purchases in 13 months). I don't have a problem telling the Barclays rep that, either, because I will pay them off once I'm no longer afraid of being balance chased.

Edited December 24, 2009 by dkfd3s

[gnarlywood]

Well... I called... I was approved...

 

 

 

 

 

 

 

 

.......... and then she put me on sudden hold, came back, and told me she pulled another report & denied me. (Experian, which isn't cleaned up yet.)

[dmdusn]

Applied for Priceline online last night for the wife. Denied. Called for recon this morning. Approved for $1000. TU 647, one 30 day late, one collection on her report.

[GEORGE]

Well... I called... I was approved...

 

 

 

 

 

 

 

 

.......... and then she put me on sudden hold, came back, and told me she pulled another report & denied me. (Experian, which isn't cleaned up yet.)

SO THEY PULLED THAT EXPERIAN DURING THE PHONE CALL

 

 

One more vote for--->STAY OFF THE PHONE

[gnarlywood]

Yes she did, George. It was surreal. After a 10 minute conversation, she was welcoming me to the club, etc. and then abruptly said she needed to "check one more thing." She came back at me like Dikembe Mutombo.

Edited December 29, 2009 by dkfd3s

[chanaz]

Don't be so sure it had to with your call. Another poster reported Barclays now pulls EXP. Could just be a new policy.

[GEORGE]

Don't be so sure it had to with your call. Another poster reported Barclays now pulls EXP. Could just be a new policy.

Yes she did, George. It was surreal. After a 10 minute conversation, she was welcoming me to the club, etc. and then abruptly said she needed to "check one more thing."

[avb]

Don't be so sure it had to with your call. Another poster reported Barclays now pulls EXP. Could just be a new policy.

 

I applied and was approved for the Travelocity World Mastercard by Barclay's yesterday. CCT showed an inquiry on Transunion.

 

I'm in Texas by the way.

[kelpiespots]

When I initially applied and was denied, they pulled TU. When I called and asked for a recon, and was approved.. they never pulled EX.. when I asked for a CLI, they looked at EX... weird.

 

Seems like they only pull TU for the initial application... and then pull EX at their discretion if you ask for anything else, or they see something funny? (I had also applied for Itunes, a few months before but never called for a recon and they considered that "excessive apps" which triggered a red flag I think)

[gnarlywood]

When I initially applied and was denied, they pulled TU. When I called and asked for a recon, and was approved.. they never pulled EX.. when I asked for a CLI, they looked at EX... weird.

 

Seems like they only pull TU for the initial application... and then pull EX at their discretion if you ask for anything else, or they see something funny? (I had also applied for Itunes, a few months before but never called for a recon and they considered that "excessive apps" which triggered a red flag I think)

 

Yeah... I dunno... She was "welcoming me to the club" as I said, mentioning that with a continued strong payment history I could expect credit increases, etc. So I asked her when would be the usual time to ask for a CLI... 6 months? She said it could be as few as 3, but definitely 6 months and then immediately excused herself and put me on hold. While I felt like I was simply following her lead and asking standard questions (after all, we'd had a 10 minute conversation up to this point), I'm guess somehow my questions set off a red flag so she went and pulled EX.

 

She also mentioned that each time a CLI was requested, they'd pull reports.

[chanaz]

Don't be so sure it had to with your call. Another poster reported Barclays now pulls EXP. Could just be a new policy.

Yes she did, George. It was surreal. After a 10 minute conversation, she was welcoming me to the club, etc. and then abruptly said she needed to "check one more thing."

 

You know what George. As I stated, I was just going by what another poster said. You always need to put your two cents in though don't you? Like a little child who needs the last word. And in Bold caps to boot. My point was, it didn't seem to matter if they called, wrote, or put up friggin smoke signals. Due to another posters thread that the system has changed, they would pull Exp. You do make me laugh though. Since we're all voicing our takes on things, allow me to out you. I have read your threads. And I know this... You hide behind you wife's credit. AE outed you. LOL... All your responses are "I heard", "Others have said" I call Bulls%^t. I know your credit was chocolate. You piggyback off your wife. Think I'm lying ppl. Reread his threads. Your a joke. A big friggin joke. Pathetic!!! A typical internet tough guy. Yeah.. I have never been late in 30 years... Well guess what?? I have been swimming for 30 years, and I don't post on a aqua-phobia board. One word... Pathetic. So go ahead and give a quippy response for your minions. I won't be clicking on this thread to respond, so the last word you will get. After your done though, google life. Since it's obviously you need one. Your a fraud with PROFANITY I'm lying??? I challenge you to post a statement with a real limit, where you are the primary. Bob Wang Does it all the time (Black out your last name). Thought so!!!!!Did I say pathetic already.

Edited December 29, 2009 by TrevorHere
Profanity

[GEORGE]

Don't be so sure it had to with your call. Another poster reported Barclays now pulls EXP. Could just be a new policy.

Yes she did, George. It was surreal. After a 10 minute conversation, she was welcoming me to the club, etc. and then abruptly said she needed to "check one more thing."

 

You know what George. As I stated, I was just going by what another poster said. You always need to put your two cents in though don't you? Like a little child who needs the last word. And in Bold caps to boot. My point was, it didn't seem to matter if they called, wrote, or put up friggin smoke signals. Due to another posters thread that the system has changed, they would pull Exp. You do make me laugh though. Since we're all voicing our takes on things, allow me to out you. I have read your threads. And I know this... You hide behind you wife's credit. AE outed you. LOL... All your responses are "I heard", "Others have said" I call Bulls%^t. I know your credit was chocolate. You piggyback off your wife. Think I'm lying ppl. Reread his threads. Your a joke. A big friggin joke. Pathetic!!! A typical internet tough guy. Yeah.. I have never been late in 30 years... Well guess what?? I have been swimming for 30 years, and I don't post on a aqua-phobia board. One word... Pathetic. So go ahead and give a quippy response for your minions. I won't be clicking on this thread to respond, so the last word you will get. After your done though, google life. Since it's obviously you need one. Your a fraud with Chocolate Goodness credit, who rides off his wife's good credit. Nothing wrong with that. But you just wont admit it. I'm lying??? I challenge you to post a statement with a real limit, where you are the primary. Bob Wang Does it all the time (Black out your last name). Thought so!!!!!Did I say pathetic already.

WHAT ARE YOU TALKING ABOUT

 

[GEORGE]

SOME PEOPLE JUST CAN'T DO 2 + 2 = 4

 

THE EXPERIAN HARD HAPPENED DURING THE PHONE CALL

[dmdusn]

[GEORGE]

Maybe putting the FOOL on ignore will help...

 

Maybe not...

 

[dmdusn]

Well... I called... I was approved...

 

 

 

 

 

 

 

 

.......... and then she put me on sudden hold, came back, and told me she pulled another report & denied me. (Experian, which isn't cleaned up yet.)

SO THEY PULLED THAT EXPERIAN DURING THE PHONE CALL

 

 

One more vote for--->STAY OFF THE PHONE

So how do you propose people try to get reconsideration? I tried telepathy, but it didn't work, so I picked up the phone.

[GEORGE]

Well... I called... I was approved...

 

 

 

 

 

 

 

 

.......... and then she put me on sudden hold, came back, and told me she pulled another report & denied me. (Experian, which isn't cleaned up yet.)

SO THEY PULLED THAT EXPERIAN DURING THE PHONE CALL

 

 

One more vote for--->STAY OFF THE PHONE

So how do you propose people try to get reconsideration? I tried telepathy, but it didn't work, so I picked up the phone.

US MAIL--->$0.44

 

Is that broken???

[TrevorHere]

chanaz, enough with the profanity and attacks on members.

Edited December 29, 2009 by TrevorHere