On the bubble, advice requested

[MJPEREZ77]

Hi CBers,

 

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!!!

[shifter]

What does Sync have to do with Barclays?

 

Always call the UW.

 

Just be aware that Barclays is very sensitive to new accounts

 

and a good chance she still won't get approved.

[cv91915]

Worst case they just reaffirm the "no." Definitely recon.

Edited December 4, 2014 by cv91915

[Konrad2012]

I app'd a US Air card 31 or 32 days after I received a Barclay Rewards card...and I had 5 new accounts showing. Had to do it through recon.

 

If she doesn't have any existing Barclay cards, there is nothing they can do but say no. She's already taken the HP, I wouldn't let it go to waste. Like everything though, YMMV.

 

They are pushing that card hard, and the 40K miles for $89 is a steal.

[MJPEREZ77]

What does Sync have to do with Barclays?

 

Always call the UW.

 

Just be aware that Barclays is very sensitive to new accounts

 

and a good chance she still won't get approved.

Just leading into why she app'd, was suppose to be in the garden.

 

Worst case they just reaffirm the "no." Definitely recon.

Thanks. I am not too worried about the decline, I just don't wanna feel the "sting" of Barclay's regarding her 2 new accts she opened with them in early September. I actually wasn't going to have her apply until sometime in January, but just like all of us have to learn the hard way, stop after the first decline. In all honesty, she really needs the CLIs on the 2 existing accts versus this new card, but obviously the approval would be nice as well.

[MJPEREZ77]

I app'd a US Air card 31 or 32 days after I received a Barclay Rewards card...and I had 5 new accounts showing. Had to do it through recon.

 

If she doesn't have any existing Barclay cards, there is nothing they can do but say no. She's already taken the HP, I wouldn't let it go to waste. Like everything though, YMMV.

 

They are pushing that card hard, and the 40K miles for $89 is a steal.

Thanks Konrad!!! I believe you along with CV and Shifter are definitely right, call the UW.

 

Thanks to you all!!!

[Konrad2012]

Oh . Well you left out the part that she has two Barclay cards that are only three months old.

 

I'd still call and try now that the pull is taken. If two of her new accounts are with them, and the new Home Design or whatever isn't showing I think (hope) she'll be ok. Just tell them how excited you are about the US Air merger and how much more you are going to fly US Air/AA in the future so you want to maximize your miles and how happy you are with Barclay services and online portal, customer service ,ficos etc.

 

You know, tell them what they want to hear.

[MJPEREZ77]

Oh . Well you left out the part that she has two Barclay cards that are only three months old.

 

 

 

I'd still call and try now that the pull is taken. If two of her new accounts are with them, and the new Home Design or whatever isn't showing I think (hope) she'll be ok. Just tell them how excited you are about the US Air merger and how much more you are going to fly US Air/AA in the future so you want to maximize your miles and how happy you are with Barclay services and online portal, customer service ,ficos etc.

 

You know, tell them what they want to hear.

So that being said, let me put all the cards SPECIFICALLY on the table, as I thought that when I said many new accts, that would be enough, lol. She has 15+ new accts since 8/30/14, util is 5%, no derogs, TU 735 (Nov Barclay's FICO). And I literally kinda felt a sting go throughout my body when I saw that decline, made me nervous. Just don't wanna see any AA or CLD as I mentioned.

[Phantik]

I have a similar profile, 735 FICO, 9 new accounts since 7/19/14 and was going to apply to get those 40K. I opened an NFL extra points visa 2 months ago that I could close and move the limit if need be.

 

Anyone know when is the last day you can apply for the US Airways MC?

[mendelssohn]

Barclays is always YMMV.

 

I opened my first card with them 6/13.

 

I opened 3 new cards with them this year when TU was sub-700 with 30+ student loan baddies reporting a lot of new accounts reporting.