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Anyone have any luck PCing the Arrival+ (to avoid AF)? What are the options?

With SM gone, all the Barclay cards are useless to me. If I want to get Barclay cards in the future (only for signup bonus) what is the best strategy, given that I won't be putting any spend on my current cards (which apparently Barclays likes to see before giving more cards).

So is my best strategy to just close all my Barclay cards, and wait a while before applying again?

 

why close?

I read that Barclays is less likely to approve a new card, if you're putting little or no spend on your current Barclay cards. You have a better chance of approval if you have no current Barclay cards. (I'm not worried about other effects of closing cards.)

But I'm asking if this is really true about Barclays approvals.

My experience with Barclay has been different than that. I've had my Carnival Seamiles since 2006. It had risen to $12,300 w/ CLIs.

Last month, I app'd/received a Cash Forward, asked for/received a CLI at approval & immediately moved the CL to my Carnival for a CL of 25k

That's a lot of work and a new account on your reports for a $12K CLI.

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Anyone have any luck PCing the Arrival+ (to avoid AF)? What are the options?

With SM gone, all the Barclay cards are useless to me. If I want to get Barclay cards in the future (only for signup bonus) what is the best strategy, given that I won't be putting any spend on my current cards (which apparently Barclays likes to see before giving more cards).

So is my best strategy to just close all my Barclay cards, and wait a while before applying again?

 

why close?

I read that Barclays is less likely to approve a new card, if you're putting little or no spend on your current Barclay cards. You have a better chance of approval if you have no current Barclay cards. (I'm not worried about other effects of closing cards.)

But I'm asking if this is really true about Barclays approvals.

My experience with Barclay has been different than that. I've had my Carnival Seamiles since 2006. It had risen to $12,300 w/ CLIs.

Last month, I app'd/received a Cash Forward, asked for/received a CLI at approval & immediately moved the CL to my Carnival for a CL of 25k

That's a lot of work and a new account on your reports for a $12K CLI.
It's my oldest account & I wanted it as a prybar. It was worth it IMO & scores are improving.

 

All my lines have grown & I have exceeded my credit goals since the BK dropped off two years ago. I use credit as a tool now & want it to show long term stability.

 

Prior to my BK, in 2005, I had nothing but a few subprime auto loans as positive history & 23 pgs of collections. I busted my butt to turn all of that around & I'm proud of the accomplishments I have made. Time to grow & mature it now. Slowly, I'll keep learning, watching & get where I want to be.

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Haven't been able to get a CLI on this card since February 2016. Just paid this card in full this month. Called customer service to request an APR reduction. The representative was able to drop the APR from 24.49% to 23.49% (meh), but I was also offered a promotional 0% APR for purchases through March 1, 2018. Of course, my plans for this card, now that it has been paid in full is to only use it for purchases that earn 2x points each month, then pay in full, so the APR doesn't really matter.

 

I just need to figure out how to make a "purchases" that would launder their way towards paying off my Amazon.com card... but that's for a different forum.

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Looks like the "old" Ring is up to 9% interest.

 

Prime rate has gone up 0.25% x4... so, yeah.

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I have 2 different Barclays cards, both having a $6,000 CL. I would like to downgrade the Wyndham card to the no AF card (My AF posted 30 days ago) and combine the second card with the Wyndham card. Do you guys suggest that I first see if I can get a CLI on both cards, wait a few days, and then do the downgrade, and then finally combine the two after that?

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I have 2 different Barclays cards, both having a $6,000 CL. I would like to downgrade the Wyndham card to the no AF card (My AF posted 30 days ago) and combine the second card with the Wyndham card. Do you guys suggest that I first see if I can get a CLI on both cards, wait a few days, and then do the downgrade, and then finally combine the two after that?

If you can get a CLI without hard pull, great. If not, you have to factor in the value you place on a hard pull versus what you think you can get on a CLI.

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So went through Barclays app, figured I'd use my available TU pull to start a relationship with Barclays since the refi on the mortgage went through with NFCU. So, long story short, It was auto-denied, got a letter saying you can call, used the recon number (866) 408-4064, and the rep said it was denied due to a security check... >_> What? So, they transfer me through to security, who says that they need to verify that it's actually me that put in the app request, but only asked for the last 4 of my SSN and birthday. Then on hold for about 5 minutes. She comes back and says that they need me to send them copies of the front and back of my driver's license and social security card, as well as a utility bill and bank statement to a PO box in DE.

 

So, first step was Google the address because that seemed very odd - Google sent me to their official Facebook page ( https://www.facebook.com/BarclaycardUS/posts/442778912500458) , which confirms that being their actual address, though. Never had that happen with a card before wanting so much identifying information, is this common?

 

Hello Barclaycard. I applied for a credit card here in the US and was asked to send some documents to:
Customer Security
PO Box 8834
Wilimington
Delaware 19899

I don't see that address anywhere on the Barclaycard website. Can you confirm that its genuine?

Thank you!

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Barclaycard US Mike,

I am happy to confirm that this is the address for our Customer Security group. Thank you for your inquiry! Sarah

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I had Discover and maybe Chase (I don't remember) request that sort of stuff. I faxed or emailed it or something.

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Anyone still giving info on Barclays?? I have an Apple card which had a $1500 limit. Finally PIF and they decreased my limit to $500 which annoyed me. I am debating on waiting to call when my utilization across all cards drop in a few days or sock drawer that worthless amount. Perhaps trying for rate decrease could yeild an increase? I do not want a hard for this card as I rarely shop at apple anymore and do not see another card I would want from them. The account was opened in 2011 so I rather not close it.

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Anyone still giving info on Barclays?? I have an Apple card which had a $1500 limit. Finally PIF and they decreased my limit to $500 which annoyed me. I am debating on waiting to call when my utilization across all cards drop in a few days or sock drawer that worthless amount. Perhaps trying for rate decrease could yeild an increase? I do not want a hard for this card as I rarely shop at apple anymore and do not see another card I would want from them. The account was opened in 2011 so I rather not close it.

 

Carrying proportionally high balances on lowish limit cards is usually viewed negatively by issuers. Especially when you sound like you had balances on multiple accounts.

 

Call a Barclays specialist and see if you can PC the Apple card to the Barclays Rewards. At least it will give you 2% on groceries and utilities so if nothing else you can make some occasional purchases on it to keep it open.

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Anyone still giving info on Barclays?? I have an Apple card which had a $1500 limit. Finally PIF and they decreased my limit to $500 which annoyed me. I am debating on waiting to call when my utilization across all cards drop in a few days or sock drawer that worthless amount. Perhaps trying for rate decrease could yeild an increase? I do not want a hard for this card as I rarely shop at apple anymore and do not see another card I would want from them. The account was opened in 2011 so I rather not close it.

 

Carrying proportionally high balances on lowish limit cards is usually viewed negatively by issuers. Especially when you sound like you had balances on multiple accounts.

 

Call a Barclays specialist and see if you can PC the Apple card to the Barclays Rewards. At least it will give you 2% on groceries and utilities so if nothing else you can make some occasional purchases on it to keep it open.

 

 

I just paid every card off 22k worth and am waiting for the dust to settle then I will def PC. Thanks for the advice.

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Anyone still giving info on Barclays?? I have an Apple card which had a $1500 limit. Finally PIF and they decreased my limit to $500 which annoyed me. I am debating on waiting to call when my utilization across all cards drop in a few days or sock drawer that worthless amount. Perhaps trying for rate decrease could yeild an increase? I do not want a hard for this card as I rarely shop at apple anymore and do not see another card I would want from them. The account was opened in 2011 so I rather not close it.

 

Carrying proportionally high balances on lowish limit cards is usually viewed negatively by issuers. Especially when you sound like you had balances on multiple accounts.

 

Call a Barclays specialist and see if you can PC the Apple card to the Barclays Rewards. At least it will give you 2% on groceries and utilities so if nothing else you can make some occasional purchases on it to keep it open.

Too late, K.

 

Rewards has been snuffed. Not sure what they will ultimately replace it with.

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I did finally get a CLI on my Ring card from 2k to 5k.

 

I applied for Aviator Red and was auto declined for "not enough revolving history".

 

Called in and the rep seemed perplexed by the computer's decision.

 

She granted the new account with a 5k credit limit.

 

I asked if I could get a higher limit with the Ring card while we were on the phone and she granted the additional 3k.

 

I think she asked my permission to do a second (for the recon) and third (for the CLI) pull.

 

I haven't seen TU yet but they were all on the same calendar day.

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I did finally get a CLI on my Ring card from 2k to 5k.

I applied for Aviator Red and was auto declined for "not enough revolving history".

Called in and the rep seemed perplexed by the computer's decision.

She granted the new account with a 5k credit limit.

I asked if I could get a higher limit with the Ring card while we were on the phone and she granted the additional 3k.

I think she asked my permission to do a second (for the recon) and third (for the CLI) pull.

I haven't seen TU yet but they were all on the same calendar day.

Call TU and "inquire" about all the duplicate pulls if they don't get merged without intervention.

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Applied for Barclays Uber Card in Nov. with a 659 TU score and was declined. Didnt get any love on recon either.

 

TU is up to 681 now. Open/Relevant accounts are:

 

Kohls: Opened April 2014, now closed... reporting a 179/300 balance/limit, though its now paid to zero. Never late.

 

Credit Union: Opened January 2010, late a LOT of times from 2014 to 2016, last late Jun. 2017. Reporting 1265/4000, now paid down to 900ish. This is the one thing really keeping my score down.

 

CapOne: Opened August 2017, reporting 220/1000, now 50ish/1100. Never late. I PIF every month, but havent figured out the timing to have low balances report yet.

 

Chase: Opened October 2017, reporting 8/1000, still in that same ballpark since I have some small purchases pending, but just paid the rest in full. Never late.

 

Discover: Opened October 2017, reporting 0/1200, currently 65/1200. Never late.

 

Annoyingly, on my TU report, all of the cards for some reason still have September and October as the last time payments were recorded, so perhaps my score should be higher if the information was current?

 

I also have a student loan that recently entered repayment, never late, but the balance is high... approx $12,600...

 

FICO simulator has my score reaching 691 relatively shortly, but taking almost another year to break 700. Id like to reapply for the Uber Credit Card, but dont want to waste inquiries and further hurt my chance in the future.

 

Anyone have any idea or insight on when it would be a good idea to try again?

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Applied for Barclays Uber Card in Nov. with a 659 TU score and was declined. Didnt get any love on recon either.

 

TU is up to 681 now. Open/Relevant accounts are:

 

Kohls: Opened April 2014, now closed... reporting a 179/300 balance/limit, though its now paid to zero. Never late.

 

Credit Union: Opened January 2010, late a LOT of times from 2014 to 2016, last late Jun. 2017. Reporting 1265/4000, now paid down to 900ish. This is the one thing really keeping my score down.

 

CapOne: Opened August 2017, reporting 220/1000, now 50ish/1100. Never late. I PIF every month, but havent figured out the timing to have low balances report yet.

 

Chase: Opened October 2017, reporting 8/1000, still in that same ballpark since I have some small purchases pending, but just paid the rest in full. Never late.

 

Discover: Opened October 2017, reporting 0/1200, currently 65/1200. Never late.

 

Annoyingly, on my TU report, all of the cards for some reason still have September and October as the last time payments were recorded, so perhaps my score should be higher if the information was current?

 

I also have a student loan that recently entered repayment, never late, but the balance is high... approx $12,600...

 

FICO simulator has my score reaching 691 relatively shortly, but taking almost another year to break 700. Id like to reapply for the Uber Credit Card, but dont want to waste inquiries and further hurt my chance in the future.

 

Anyone have any idea or insight on when it would be a good idea to try again?

What was the reason for denial?

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Applied for Barclays Uber Card in Nov. with a 659 TU score and was declined. Didnt get any love on recon either.

 

TU is up to 681 now. Open/Relevant accounts are:

 

Kohls: Opened April 2014, now closed... reporting a 179/300 balance/limit, though its now paid to zero. Never late.

 

Credit Union: Opened January 2010, late a LOT of times from 2014 to 2016, last late Jun. 2017. Reporting 1265/4000, now paid down to 900ish. This is the one thing really keeping my score down.

 

CapOne: Opened August 2017, reporting 220/1000, now 50ish/1100. Never late. I PIF every month, but havent figured out the timing to have low balances report yet.

 

Chase: Opened October 2017, reporting 8/1000, still in that same ballpark since I have some small purchases pending, but just paid the rest in full. Never late.

 

Discover: Opened October 2017, reporting 0/1200, currently 65/1200. Never late.

 

Annoyingly, on my TU report, all of the cards for some reason still have September and October as the last time payments were recorded, so perhaps my score should be higher if the information was current?

 

I also have a student loan that recently entered repayment, never late, but the balance is high... approx $12,600...

 

FICO simulator has my score reaching 691 relatively shortly, but taking almost another year to break 700. Id like to reapply for the Uber Credit Card, but dont want to waste inquiries and further hurt my chance in the future.

 

Anyone have any idea or insight on when it would be a good idea to try again?

What was the reason for denial?

The letter actually listed four reasons, some of which seemed odd to me:

 

- Insufficent number of accounts (I have 3 Open CCs, and a student loan)

 

- High number of CCs recently opened (fair, and I would have held off if I knew Uber CC was coming beforehand)

 

- High number of recent inquiries on credit report (only two on TU, and one is for the Uber Card)

 

- History of delinquency on credit report (fair, last late in June 2017, but there was a rough stretch of lates in 2014-2015 3x 60s, handful of 30s)

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Applied for Barclays Uber Card in Nov. with a 659 TU score and was declined. Didnt get any love on recon either.

 

TU is up to 681 now. Open/Relevant accounts are:

 

Kohls: Opened April 2014, now closed... reporting a 179/300 balance/limit, though its now paid to zero. Never late.

 

Credit Union: Opened January 2010, late a LOT of times from 2014 to 2016, last late Jun. 2017. Reporting 1265/4000, now paid down to 900ish. This is the one thing really keeping my score down.

 

CapOne: Opened August 2017, reporting 220/1000, now 50ish/1100. Never late. I PIF every month, but havent figured out the timing to have low balances report yet.

 

Chase: Opened October 2017, reporting 8/1000, still in that same ballpark since I have some small purchases pending, but just paid the rest in full. Never late.

 

Discover: Opened October 2017, reporting 0/1200, currently 65/1200. Never late.

 

Annoyingly, on my TU report, all of the cards for some reason still have September and October as the last time payments were recorded, so perhaps my score should be higher if the information was current?

 

I also have a student loan that recently entered repayment, never late, but the balance is high... approx $12,600...

 

FICO simulator has my score reaching 691 relatively shortly, but taking almost another year to break 700. Id like to reapply for the Uber Credit Card, but dont want to waste inquiries and further hurt my chance in the future.

 

Anyone have any idea or insight on when it would be a good idea to try again?

What was the reason for denial?

 

 

I'm guessing thin file and lates.

Edited by PotO

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Applied for Barclays Uber Card in Nov. with a 659 TU score and was declined. Didnt get any love on recon either.

 

TU is up to 681 now. Open/Relevant accounts are:

 

Kohls: Opened April 2014, now closed... reporting a 179/300 balance/limit, though its now paid to zero. Never late.

 

Credit Union: Opened January 2010, late a LOT of times from 2014 to 2016, last late Jun. 2017. Reporting 1265/4000, now paid down to 900ish. This is the one thing really keeping my score down.

 

CapOne: Opened August 2017, reporting 220/1000, now 50ish/1100. Never late. I PIF every month, but havent figured out the timing to have low balances report yet.

 

Chase: Opened October 2017, reporting 8/1000, still in that same ballpark since I have some small purchases pending, but just paid the rest in full. Never late.

 

Discover: Opened October 2017, reporting 0/1200, currently 65/1200. Never late.

 

Annoyingly, on my TU report, all of the cards for some reason still have September and October as the last time payments were recorded, so perhaps my score should be higher if the information was current?

 

I also have a student loan that recently entered repayment, never late, but the balance is high... approx $12,600...

 

FICO simulator has my score reaching 691 relatively shortly, but taking almost another year to break 700. Id like to reapply for the Uber Credit Card, but dont want to waste inquiries and further hurt my chance in the future.

 

Anyone have any idea or insight on when it would be a good idea to try again?

What was the reason for denial?

The letter actually listed four reasons, some of which seemed odd to me:

 

- Insufficent number of accounts (I have 3 Open CCs, and a student loan)

 

- High number of CCs recently opened (fair, and I would have held off if I knew Uber CC was coming beforehand)

 

- High number of recent inquiries on credit report (only two on TU, and one is for the Uber Card)

 

- History of delinquency on credit report (fair, last late in June 2017, but there was a rough stretch of lates in 2014-2015 3x 60s, handful of 30s)

 

 

 

You have a thin file / limited experience and a string of lates, some of which are recent. I seriously doubt Barclays will touch you.

 

Accounts are considered new for up to two years and Barclays isn't very fond of new accounts, especially on profiles with derogatories. If the lates were a long time ago, you'd probably be ok. But 6 months ago is not a long time ago ... and even then there is a long and established pattern of lates on that account. I'd forget about Barclays for at least 6 more months ... and even then.

 

Focus on not paying late and letting your accounts age.

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Applied for Barclays Uber Card in Nov. with a 659 TU score and was declined. Didnt get any love on recon either.

 

TU is up to 681 now. Open/Relevant accounts are:

 

Kohls: Opened April 2014, now closed... reporting a 179/300 balance/limit, though its now paid to zero. Never late.

 

Credit Union: Opened January 2010, late a LOT of times from 2014 to 2016, last late Jun. 2017. Reporting 1265/4000, now paid down to 900ish. This is the one thing really keeping my score down.

 

CapOne: Opened August 2017, reporting 220/1000, now 50ish/1100. Never late. I PIF every month, but havent figured out the timing to have low balances report yet.

 

Chase: Opened October 2017, reporting 8/1000, still in that same ballpark since I have some small purchases pending, but just paid the rest in full. Never late.

 

Discover: Opened October 2017, reporting 0/1200, currently 65/1200. Never late.

 

Annoyingly, on my TU report, all of the cards for some reason still have September and October as the last time payments were recorded, so perhaps my score should be higher if the information was current?

 

I also have a student loan that recently entered repayment, never late, but the balance is high... approx $12,600...

 

FICO simulator has my score reaching 691 relatively shortly, but taking almost another year to break 700. Id like to reapply for the Uber Credit Card, but dont want to waste inquiries and further hurt my chance in the future.

 

Anyone have any idea or insight on when it would be a good idea to try again?

What was the reason for denial?

The letter actually listed four reasons, some of which seemed odd to me:

 

- Insufficent number of accounts (I have 3 Open CCs, and a student loan)

 

- High number of CCs recently opened (fair, and I would have held off if I knew Uber CC was coming beforehand)

 

- High number of recent inquiries on credit report (only two on TU, and one is for the Uber Card)

 

- History of delinquency on credit report (fair, last late in June 2017, but there was a rough stretch of lates in 2014-2015 3x 60s, handful of 30s)

 

 

 

You have a thin file / limited experience and a string of lates, some of which are recent. I seriously doubt Barclays will touch you.

 

Accounts are considered new for up to two years and Barclays isn't very fond of new accounts, especially on profiles with derogatories. If the lates were a long time ago, you'd probably be ok. But 6 months ago is not a long time ago ... and even then there is a long and established pattern of lates on that account. I'd forget about Barclays for at least 6 more months ... and even then.

 

Focus on not paying late and letting your accounts age.

 

+1000

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