Barclays credit card reconsideration success!

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InCreditWeTrust
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Barclays credit card reconsideration success!

Postby InCreditWeTrust » Mon Apr 09, 2012 2:03 pm

Greetings,

I recently applied online for a Barclays visa card and after their 30-second evaluation I was denied credit. I then figured out I could potentially get the decision overturned if I call Barclays (Credit Analyst) and speak to the representative directly.

The representative was very helpful and understanding and agreed I am in actuality eligible for credit, considering I have never made a late payment, but because I am still fairly new to credit and don't have an expansive credit history the online evaluation had denied me.

After calling for reconsideration I answered a few important questions i.e annual income, and I was asked what is my requested limit, I was shortly approved for $2,000 credit limit! Already made the purchase.

Regards, In Credit We Trust


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InCreditWeTrust
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Postby InCreditWeTrust » Mon Apr 09, 2012 2:13 pm

Image

DavidNY
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Postby DavidNY » Mon Apr 09, 2012 2:37 pm

Cool! Why did you pick Barclays?


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InCreditWeTrust
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Postby InCreditWeTrust » Mon Apr 09, 2012 6:08 pm

DavidNY wrote:Cool! Why did you pick Barclays?


Financing a new MBP, Barclays was flexible enough on the limit I needed...

randeman
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Postby randeman » Tue Apr 10, 2012 8:37 am

Congratulations. What's an MBP?
Cards and Credit lines Acquired:

Escape by Discover (7.75K), Barclay Holland America Visa (7K), Macy's store card (7K), Bloomingdale's store card (2.6K), Citi Custom Credit Line (3.5K), PayPal Smart Connect credit line (2.7K), Chase Freedom Visa (5K), Chase United MileagePlus Visa (5K), Chase Sapphire Preferred Visa (6K), Amazon store card (2.2K), Lord & Taylor store card (550), Nordstrom store card (1500), Gold Delta SkyMiles from American Express (3K), Discover It (6.5K), PayPal Credit Line (1K).

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InCreditWeTrust
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Postby InCreditWeTrust » Tue Apr 10, 2012 12:19 pm

randeman wrote:Congratulations. What's an MBP?


Macbook Pro, and thanks.

andy1088
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Postby andy1088 » Mon May 07, 2012 7:19 am

Sweet InCreditWeTrust you inspired me to call BOA for reconsideration. You probably saw in my other topic, they reconsidered me for a $2,000 credit line with the 1/2/3 rewards card!
My cards
Chase-Sapphire-$5,000 Freedom-$3,000, Amazon rewards-$700, Slate-$600
Citi- Diamond Preferred-$4,000, Thank you-$2,500
Discover IT-$2,500
Bank of America cash rewards-$2,000
Capital one newcomer rewards-$500



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