Seriously, the Barclay apologists are starting to piss me off. Of course I know why Barclay is doing this from their perspective, but I don't give a damn. We don't need a sermon from the Barclay apologist of why they are doing this, what we need is creative solutions to how to get past their policy/restrictions.

This is FT, we do churning. Have to wait for 12mth without an app in order to get approved kills the churning. FYI, I have done 6mth without an app, and they won't budge.

Having said that, I'll offer a constructive solution, although probably not the best solution. Since Barclay is so sensitive to recent inquiries, it seems the only way to get past them if you want their cards is to bump off all your hard pulls. Unfortunately, that cost money and time, so to each his own.