I applied for the Arrival on Sunday of this week online (instant approval) and the Ring two days later (had to call in for approval). I haven't received any calls inquiring about my apps. I would cool it on the AOR for Barclays, they seem to like to reduce CL when the think a risk might be involved. I also read on their forums that their system is not that up to date when it comes to logic, so multiple accounts in the same social could be seen as different customers.

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