Barclays credit card application denied and downgraded

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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Barclays credit card application denied and downgraded

Postby mafiaS » Sun Oct 20, 2013 12:11 pm

I just applied for a Barclay Arrival World Master card on 10/17, got downgraded to a platinum, which didn't have that 2X points cash back for travel and dining.

So I called them this morning to cancel it. They would not upgrade my card, but instead transferred me to some "relationship manager" who spent about 10 minus telling me not to cancel the card while offering nothing. She kept mentioning about the 1% cash back that I would get from their card, which I could easily got from all my other cards. I had to tell her to cancel for about 7 to 8 times before she finally agreed.

glad that I'm officially done with this horrible company. :(

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Postby 432521 » Sun Oct 20, 2013 5:28 pm

you should have just kept it open because I don't think that card has an annual fee and you already took a hard hit applying for the card
March 2011- Wellsfargo Cash Back College Card
May 2012- Chase Freedom
May 2012- Discover IT
August 2012- American Express Blue Cash Everyday

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Postby im_mr_awesome » Mon Oct 21, 2013 12:18 am

I agree with 432521; if I get a sucky card, I just keep it open since I already app'd for it. Plus, a positive credit line that's closed stays on your report for a few years anyway, so why not keep it as a backup? If the limit is decent, it's nice to have another CC company to work with in case of weirdness.

For example, most of my banking is with Chase. For about 12 hours one day, none of my Chase cards worked, including credit and debit. My friends were also having trouble. If that was my only company, I'd have been screwed. Luckily, I also had my Discover and Citi cards with me, so it was an easy fix. This is a great thing to have when traveling, as well as just for emergencies. When traveling, I keep a credit card in my suitcase in case I lose my wallet when I'm out. I also keep a credit card hidden away in my car for the same reason, and $50 in my wallet just in case all else fails.

There are a few reasons to keep an open line open. However, if you have many other options, no big deal. I hate wasting an inquiry though.
Scores on the mend...
FICO: 654 (7/2017, AMEX), Vantage: 663 (CK)
Cards I Use Amex Premier Rewards Gold, Discover IT, Capital One QuickSilver MC, Amex Gold Delta (for the free bag)
Sock Drawer Chase Amazon, AE Visa, CareCredit, several store cards for util padding
Next Card Amex Everyday

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Postby Z06Biker » Tue Oct 22, 2013 3:26 pm

Try calling back and ask if they can rescind the hard inquiry. It worked for me, once. A few years ago I applied for a Barclays credit card, was turned down, called the recon line and was turned down yet again, but managed to persuade them to remove the hard inquiry as a result of my not being approved.

Worth a shot.
AMEX: PRG Gold, Business Simply Cash, Business Costco, BCE.
Chase: United MileagePlus Club, Sapphire Preferred, Amazon Rewards
Barclaycard Arrival World Mastercard
HSBC Cash or Fly World Mastercard
USAA World Mastercard, USAA Platinum Mastercard
Wells Fargo Business Platinum
USC Credit Union Mastercard

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