Originally Posted by
taterman
These cards are notoriously churnable. There are many reports on this very forum of people getting 3 or 4 of them. Being a scammer would imply that I am not who I say I am. Everything I gave them was completely truthful, including my EIN.
I called them back this morning to let them have my SSN and they did confirm that was the problem last night. Unfortunately I was denied because I "already had the card". Oh well. Can't win them all.
If you read
the US card thread carefully, you'll see that
only those people who get "instantly" approved (ie, by computer, with no human intervention) ever get approved for a second or third or fourth card. Those people who are talking to humans are pretty much
always denied.
So you totally wasted your time with this (as well as wasting a TU pull). You should have either applied online with you SSN and "hoped" for an instant approval, or given up. There are no options for churning the US card!
Originally Posted by
taterman
Barclays allows people to have more than one of these cards. That's all I was trying to do with a company I legitimately own.
No. First of all, Barclay humans don't allow people to have more than one of these cards. They've just programmed the computer that processes "instant" approvals online to not bother checking whether you already have one. That's the only loophole.
Second, you were trying to do it by pretending that you weren't the same person, but using another number than your SSN. You were only trying to use your EIN because you expected your SSN to identify you as the person who already had a card.
That's far different than someone applying for a card they already have, giving no misleading information, and getting approved.
Most people would think that supplying an EIN in place of an SSN is misleading information. The form didn't ask for anything other than an SSN, did it?
How is an EIN different from a falsified SSN, when entered into a field only asking for an SSN??? 