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It looks like the Barclays 50,000 mile promo is coming to an end, so I bit the bullet. I am running 60% credit card usage and my TU Fico score is 650. Was willing tp give up one of my 2 other Barclay cards going backdoor BUT I hit the ONline app and 30 seconds later got $3000. I now have 3 Barclay Cards 21 months out of BK. Thank You Credit Board
I have a question for you. DW app'd for the SYNC Home Design CC w/ EX frozen, after numerous calls to finally get to the correct UW department, and getting the right UW, we had them pull TU and she was approved (and on the 2nd call got a CLI, gotta luv SYNC!!! ). So we wanted to each get the Barclay's US Airways CC, she app'd and was Declined. NOW NORMALLY, I'd have her recon. BUT, as she has many new accts in the last 90 days, I am weary of having her call and have an UW look at her file as I have read that Barclay's is very new acct "sensitive". I remember a comment left for me once by someone on here, something about a farm animal getting slaughtered, lol. So I am thinking of letting this one go as to not bring any unwanted attention to her that might result in AA or a CLD. Am I thinking logically? Thanks again for your input!
Have a great rest of your week!!!
Scores all right around 700.
Would like to add some cards to continue lowering utilization and to provide a cushion as I will be keeping two homes the next 6 months so utilization will rise.
First question would be Amex. Requested a CLI two weeks ago after being assured they would use a fresh pull (I had paid down nearly $15K in balances in October, including nearly paying off my Amex). Denial letter had a pull from early October and reason was overall utilization and Amex balance, both of which were wildly different by the time of CLI request. I know there is a time-wait if you GET a CLI, but can I ask again now that the pull would show the new picture, or still must wait?
Second, I would like to add with Amex, even though as I have expressed in other posts, I hate them right now. I was thinking EveryDay, and then maybe piggyback a PIF?
Third, I would like to add another Barclay. As my new home will have US Air (for as long as they exist), I was thinking the Barclay US Air. I considered Arrival World but seems like not a lot of approvals at 700 or below.
Fourth, I like the approvals and limits I see with Venture on here, especially if I can freeze EX and do a TU/EQ pull instead of a triple.
Any recommendations or warnings?
Just called the Chase recon line regarding my Sapphire Preferred application.
Called up and spoke to a really nice gentleman for about 15 minutes. I had a security freeze on Experian and I gave him the pin to lift that.
He asked me a few questions about my BK in 2010. He asked about my mortgage and income. Then put me on hold for about five minutes and came back saying that he had to send it up the ladder for further review because of the BK. He said in 7-10 business days I would either get my card in the mail or an explanation for the decline.
I asked him what his thoughts were and he said he was satisfied and he had been doing it for a long time and he had was good at reading credit... but yet it was forwarded for further review.
Anybody get this message before? I really need to stop applying for cards!
Hi, wondering if anyone has a Current B of A Recon phone #. I have tried the ones here and have had NO LUCK! DW just got denied for a Better Balance Rewards Card after a $9k CLI on Plat Plus. Hoping to take advantage of the this, since it was a Pre Qual Offer.