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Recon Successful for Barclays Apple Visa

BradS

By BradS,
in Credit Forum

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The last post in this topic was posted 3799 days ago. 

 

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BradS

BradS

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I'm very new to posting to this forum but have been using it for reference over the last month and wanted to share my recon story.

 

I already had a Barclay's Reward Mastercard that I've had for over 7 months now and recently hit the CLI button. When asked how much I wanted, I was rather conservative and only asked for $250 which was granted after about an hour. So then I thought, perhaps I could have asked for more? So after reading on here about people calling the recon line to ask for more, I took a chance. After going over my account and answering a few questions, they granted me another $250!

 

So I decided to apply for the Barclays Apple Visa card. After submitting I got the denial message and told me that I would get a letter within 7-10 days stating why. I submitted that application on Friday right before 5pm. I decided to call the recon line to see if I could get it overturned but by then it was already after 5 and they were closed. So I gave them a call today and talked to a very nice lady about reconsidering the application. She looked at my history with them and asked about my recent new inquiries which are all because I'm still rebuilding my credit history after completing BK13 a few years back. She also asked about my limited credit history gap which was because of the BK. I answered all her questions and she said since I have a good history with them and have been managing all my accounts well, that she would approve my application. I was stoked!

 

This couldn't have been possible without the help and information that y'all provide on this forum. I can't thank y'all enough!

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funky1

funky1

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What's your CL with the Barclays Apple Visa? If it's under 2 or 3 grand try for a CLI after around 7 months. Sometimes Barlcays gives an auto CLI after 6 months but this wasn't the case with me. If they don't do it with you either then hit the luv button online and if it's not approved call for recon. Explain that you want to purchase a new macbook or iMac or something of high dollar value at the Apple store. Have a ballpark of the item cost available. You don't actually have to buy it obviously but I think if the analyst knows a sale is on the line for Apple they're more leniant. If you have enough credit to purchase it already with the CL they gave you then explain that you don't want to make your card utilization be that high.

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BradS

BradS

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What's your CL with the Barclays Apple Visa? If it's under 2 or 3 grand try for a CLI after around 7 months. Sometimes Barlcays gives an auto CLI after 6 months but this wasn't the case with me. If they don't do it with you either then hit the luv button online and if it's not approved call for recon. Explain that you want to purchase a new macbook or iMac or something of high dollar value at the Apple store. Have a ballpark of the item cost available. You don't actually have to buy it obviously but I think if the analyst knows a sale is on the line for Apple they're more leniant. If you have enough credit to purchase it already with the CL they gave you then explain that you don't want to make your card utilization be that high.

The lady asked how much I was looking to purchase and I didn't want to push it so I only asked for $1k. My Mastercard Rewards is already up to $1250 so I obviously didn't want to go any higher than that. That card I'm using to match with one of my Cap1's because that's what started my whole approval process and I will use that as leverage every time I need to. They seem to like competing with Cap1 which works out to my benefit. :D

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funky1

funky1

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What's your CL with the Barclays Apple Visa? If it's under 2 or 3 grand try for a CLI after around 7 months. Sometimes Barlcays gives an auto CLI after 6 months but this wasn't the case with me. If they don't do it with you either then hit the luv button online and if it's not approved call for recon. Explain that you want to purchase a new macbook or iMac or something of high dollar value at the Apple store. Have a ballpark of the item cost available. You don't actually have to buy it obviously but I think if the analyst knows a sale is on the line for Apple they're more leniant. If you have enough credit to purchase it already with the CL they gave you then explain that you don't want to make your card utilization be that high.

 

The lady asked how much I was looking to purchase and I didn't want to push it so I only asked for $1k. My Mastercard Rewards is already up to $1250 so I obviously didn't want to go any higher than that. That card I'm using to match with one of my Cap1's because that's what started my whole approval process and I will use that as leverage every time I need to. They seem to like competing with Cap1 which works out to my benefit. :D

 

 

Good job!!

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cv91915

cv91915

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What's your CL with the Barclays Apple Visa? If it's under 2 or 3 grand try for a CLI after around 7 months. Sometimes Barlcays gives an auto CLI after 6 months but this wasn't the case with me. If they don't do it with you either then hit the luv button online and if it's not approved call for recon. Explain that you want to purchase a new macbook or iMac or something of high dollar value at the Apple store. Have a ballpark of the item cost available. You don't actually have to buy it obviously but I think if the analyst knows a sale is on the line for Apple they're more leniant. If you have enough credit to purchase it already with the CL they gave you then explain that you don't want to make your card utilization be that high.

 

The lady asked how much I was looking to purchase and I didn't want to push it so I only asked for $1k. My Mastercard Rewards is already up to $1250 so I obviously didn't want to go any higher than that. That card I'm using to match with one of my Cap1's because that's what started my whole approval process and I will use that as leverage every time I need to. They seem to like competing with Cap1 which works out to my benefit. :D

Next time you call to recon, aim beyond what you expect to achieve. Generally if the analyst isn't willing to grant you the full amount you'll get a counter-offer for less.

 

Consider this experience your warm-up! :)

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BradS

BradS

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What's your CL with the Barclays Apple Visa? If it's under 2 or 3 grand try for a CLI after around 7 months. Sometimes Barlcays gives an auto CLI after 6 months but this wasn't the case with me. If they don't do it with you either then hit the luv button online and if it's not approved call for recon. Explain that you want to purchase a new macbook or iMac or something of high dollar value at the Apple store. Have a ballpark of the item cost available. You don't actually have to buy it obviously but I think if the analyst knows a sale is on the line for Apple they're more leniant. If you have enough credit to purchase it already with the CL they gave you then explain that you don't want to make your card utilization be that high.

The lady asked how much I was looking to purchase and I didn't want to push it so I only asked for $1k. My Mastercard Rewards is already up to $1250 so I obviously didn't want to go any higher than that. That card I'm using to match with one of my Cap1's because that's what started my whole approval process and I will use that as leverage every time I need to. They seem to like competing with Cap1 which works out to my benefit. :D

Next time you call to recon, aim beyond what you expect to achieve. Generally if the analyst isn't willing to grant you the full amount you'll get a counter-offer for less.

 

Consider this experience your warm-up! :)

 

Thanks again funky1 and LionelDizzle. I'm planning to do that next time cv91915. I'm still testing the waters per say. haha Thank you so much for the tip! :)

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cv91915

cv91915

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What's your CL with the Barclays Apple Visa? If it's under 2 or 3 grand try for a CLI after around 7 months. Sometimes Barlcays gives an auto CLI after 6 months but this wasn't the case with me. If they don't do it with you either then hit the luv button online and if it's not approved call for recon. Explain that you want to purchase a new macbook or iMac or something of high dollar value at the Apple store. Have a ballpark of the item cost available. You don't actually have to buy it obviously but I think if the analyst knows a sale is on the line for Apple they're more leniant. If you have enough credit to purchase it already with the CL they gave you then explain that you don't want to make your card utilization be that high.

 

The lady asked how much I was looking to purchase and I didn't want to push it so I only asked for $1k. My Mastercard Rewards is already up to $1250 so I obviously didn't want to go any higher than that. That card I'm using to match with one of my Cap1's because that's what started my whole approval process and I will use that as leverage every time I need to. They seem to like competing with Cap1 which works out to my benefit. :D

Next time you call to recon, aim beyond what you expect to achieve. Generally if the analyst isn't willing to grant you the full amount you'll get a counter-offer for less.

Consider this experience your warm-up! :)

Thanks again funky1 and LionelDizzle. I'm planning to do that next time cv91915. I'm still testing the waters per say. haha Thank you so much for the tip! :)

Last time I called the Capital One EO I asked for a CLI to $50,000. They bumped me to $10,000, the cheap bastards.

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BradS

BradS

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What's your CL with the Barclays Apple Visa? If it's under 2 or 3 grand try for a CLI after around 7 months. Sometimes Barlcays gives an auto CLI after 6 months but this wasn't the case with me. If they don't do it with you either then hit the luv button online and if it's not approved call for recon. Explain that you want to purchase a new macbook or iMac or something of high dollar value at the Apple store. Have a ballpark of the item cost available. You don't actually have to buy it obviously but I think if the analyst knows a sale is on the line for Apple they're more leniant. If you have enough credit to purchase it already with the CL they gave you then explain that you don't want to make your card utilization be that high.

The lady asked how much I was looking to purchase and I didn't want to push it so I only asked for $1k. My Mastercard Rewards is already up to $1250 so I obviously didn't want to go any higher than that. That card I'm using to match with one of my Cap1's because that's what started my whole approval process and I will use that as leverage every time I need to. They seem to like competing with Cap1 which works out to my benefit. :D

Next time you call to recon, aim beyond what you expect to achieve. Generally if the analyst isn't willing to grant you the full amount you'll get a counter-offer for less.

Consider this experience your warm-up! :)

Thanks again funky1 and LionelDizzle. I'm planning to do that next time cv91915. I'm still testing the waters per say. haha Thank you so much for the tip! :)

Last time I called the Capital One EO I asked for a CLI to $50,000. They bumped me to $10,000, the cheap bastards.

 

That's about par. haha But I can't hate on Cap1 too much. They at least gave me a chance to start my rebuilding of credit and I didn't even have to go the secured route which I thought I would have had to do. So both Cap1 and Barclay are ok in my book.

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  • 3 months later...
slobooger

slobooger

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Worked for me,

Proud owner of a Barclay Apple Rewards card with a 5k CL. (originally approved for 2200)

Could have asked for more I think, but I am happy with that CL.

 

Rebuilding is hard work, but as they say, it is a marathon. 2.3 years post BK7

 

Worth the call! :grin: THANK YOU SO MUCH CB members for all you do, you are the BEST :clapping:

 

now to put the 0% interest for 18 months to work for me.

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stagefoursurvivor

stagefoursurvivor

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Posted

 

 

 

 

What's your CL with the Barclays Apple Visa? If it's under 2 or 3 grand try for a CLI after around 7 months. Sometimes Barlcays gives an auto CLI after 6 months but this wasn't the case with me. If they don't do it with you either then hit the luv button online and if it's not approved call for recon. Explain that you want to purchase a new macbook or iMac or something of high dollar value at the Apple store. Have a ballpark of the item cost available. You don't actually have to buy it obviously but I think if the analyst knows a sale is on the line for Apple they're more leniant. If you have enough credit to purchase it already with the CL they gave you then explain that you don't want to make your card utilization be that high.

The lady asked how much I was looking to purchase and I didn't want to push it so I only asked for $1k. My Mastercard Rewards is already up to $1250 so I obviously didn't want to go any higher than that. That card I'm using to match with one of my Cap1's because that's what started my whole approval process and I will use that as leverage every time I need to. They seem to like competing with Cap1 which works out to my benefit. :D

Next time you call to recon, aim beyond what you expect to achieve. Generally if the analyst isn't willing to grant you the full amount you'll get a counter-offer for less.

Consider this experience your warm-up! :):rofl:

Thanks again funky1 and LionelDizzle. I'm planning to do that next time cv91915. I'm still testing the waters per say. haha Thank you so much for the tip! :)

Last time I called the Capital One EO I asked for a CLI to $50,000. They bumped me to $10,000, the cheap bastards.

 

:rofl:

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