Originally Posted by
koctail
Venting here. Just was denied for Barclays Arrival and Choice Privileges Cards. Both went to reconsideration. I spoke with their arrogant CSR and a supervisor. They decline based on fact I have applied for 12 cards in the past year. 2 of them are Barclays. I have a Barclay Virgin America and NFL card. In this same churn I was just approved for Chase Southwest Business...companion pass here I come...and SPG AMEX Biz. My other 2 apps were these Barclay cards. These are actually my first 2 denials ever. The supervisor states I have 150K in credit outstanding and they are worried I would max out. I told her to look at my utillization history. I don't come close to more than 5% in my monthly utilization spending. Plus I told her then approve me for a low limit if that is their worry. Actually they did that on my last Barclay card, I think it was $1500 limit. ha. I have a Chase card with $25k limit! I have a 740 plus credit score, own my home, I am 43, never been late on paying a card, pay in full every month, been in same job for 13 years and I make $90K plus per year. My wife was declined by these clowns last year as they wouldn't include our household income in their decision making process. It seems with them unless its an instant approval its a declination. I told the rep my credit history is identical to where it was when I was approved for my last Barclay card so I have no clue how they make their decisions? I'm done with them for at least 1 year.
First, if you don't get instant approval, it doesn't mean you don't have a shot. I applied for the arrival card and didn't get instant approval. I didn't bother to call them and they approval it after a few days.
Second, during the call the CSR and the supervisor gave you tons of information why they wouldn't approve you. Instead of feeling deflated, take a hard look at what they told you and position yourself to be the ideal client they are looking for. If you follow what the CSR told you, I am pretty sure you will be approved the next time you apply for another card from them. (hopefully, at least 3-6 months later)
