Barclaycard soft pull denial?

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otter
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Barclaycard soft pull denial?

Postby otter » Sun Mar 29, 2015 11:33 am

So I was lurking over at fico when I saw Nixon had been approved for the Barclay Ring card. I noticed a few others had been approved . I usually don't emulate fico members (at least not B&T or FMC or any of the garden cultists), but Nixon posts here too (and 09 likes him about as much as she liked me which is a plus), so decided to apply.

So I got a denial- 7 to 10 day message, but definite denial on status page. Damn! I thought... wasted HP. Or maybe not because a week later, it still hasn't shown upon any of my CR's (they usually pull TU but have checked all three). So did I just get an Amex style soft pull? For those who don't know, for current cardholders, Amex will check their most recent soft pull and will only hard pull you if they approve.I'm assuming Barclay used their soft pull they got when updating my FICO score a week earlier, but I'm not sure.

If so... this is the first time I've ever seen this.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450


popamode72
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Location: Atlanta, GA

Postby popamode72 » Sun Mar 29, 2015 11:35 am

otter wrote:So I was lurking over at fico when I saw Nixon had been approved for the Barclay Ring card. I noticed a few others had been approved . I usually don't emulate fico members (at least not B&T or FMC or any of the garden cultists), but Nixon posts here too (and 09 likes him about as much as she liked me which is a plus), so decided to apply.

So I got a denial- 7 to 10 day message, but definite denial on status page. Damn! I thought... wasted HP. Or maybe not because a week later, it still hasn't shown upon any of my CR's (they usually pull TU but have checked all three). So did I just get an Amex style soft pull? For those who don't know, for current cardholders, Amex will check their most recent soft pull and will only hard pull you if they approve.I'm assuming Barclay used their soft pull they got when updating my FICO score a week earlier, but I'm not sure.

If so... this is the first time I've ever seen this.

When was the last time you apped for a Barclay card? Maybe that may have something to do with it or you're at your max with them with credit. i'd call their 24/7 recon line to see.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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otter
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Joined: Sat Aug 24, 2013 8:45 pm
Location: Grand Forks, ND

Postby otter » Sun Mar 29, 2015 1:37 pm

popamode72 wrote:When was the last time you apped for a Barclay card? Maybe that may have something to do with it or you're at your max with them with credit. i'd call their 24/7 recon line to see.


I apped for the Arrival a year ago. I think I got CLI's on both in September. I thought of doing a recon, but I think the ring app was a mistake at this point. I think I'd rather walk away with no HP (even without the card), than risk a HP and no card.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450



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