2013 App-O-Rama (AOR) and Churn Advice Archive
Jun 29, 2013, 7:24 am
#1081
Join Date: Mar 2012
Posts: 784
Did you try the Barclay card first or last? All sorts of threads here on Barclay declines for too many inquiries with recommendations to do their app first.
Jun 29, 2013, 7:55 am
#1082
Join Date: Jul 2005
Posts: 30
Churn Results: My first decline
I've opened over 25 cards in the last year. I've been turned down once. Yup, Barclays. The hell with them. Amex, Chase, and Citi seem happy to have my business. Seems that Barclays and USAIR are perfect for each other.
Jun 29, 2013, 8:01 am
#1083
Join Date: Jan 2008
Location: TPA
Programs: spg gold
Posts: 406
Things are changing at Barclays, they are pulling from all three, so you take three hits. Next they seem to look at all your activity over the last 12/24 months
if you look like one of us you will not be getting the card. Having said that for some reason some will still get approved, I did but wife was a no go. Just decide if three pulls is worth it.
if you look like one of us you will not be getting the card. Having said that for some reason some will still get approved, I did but wife was a no go. Just decide if three pulls is worth it.
Jun 29, 2013, 8:47 am
#1084
Moderator: Travel Buzz
Join Date: Aug 2012
Location: Sunny San Diego
Posts: 3,099
Well... that is a lot of cards in a year by any standards. It's common knowledge on these boards that Barclays reviews both the number of recent applications and the useage of the cards previously issued. So were you surprised?
Jun 29, 2013, 10:03 am
#1085
Join Date: Nov 2009
Posts: 1,060
Barclays is a pain the .... They don't like it when you have too many inquiries. They don't like it when you don't use their card enough... Screw em
Jun 29, 2013, 12:39 pm
#1086
Join Date: Jan 2013
Posts: 322
Out of 7 Barclays applications within the past year, the only approvals were for the US Airways and Frontier cards (both on the same day). Calling reconsideration resulted in another credit pull and denial on the grounds that I have had "too many accounts open."
On the other hand, I have been able to get instant approvals on Citi and AMEX cards like candy, and for the most part Chase cards.
On the other hand, I have been able to get instant approvals on Citi and AMEX cards like candy, and for the most part Chase cards.
Jun 29, 2013, 1:40 pm
#1087
Join Date: Feb 2006
Programs: Krisflyer, Asia Miles, Miles and Bonus
Posts: 251
This was my first official AOR, I've had a Chase Freedom card for about 3 years now, and an Ink Bold for about 3 months. All of the applications were submitted online, approved for between 5k - 6k on each card.
My credit score is around ~770, with my average account age is just shy of 5 years, some student loan debt, and a first mortgage within the last 4 months. Have 4 open CC other than the ones just opened, with hard pulls going 4 - 3 - 3 before applying. I'll run my report here after my statements close at the first of the month and let you know what kind of inquiries I got and how it affected my scores.
My credit score is around ~770, with my average account age is just shy of 5 years, some student loan debt, and a first mortgage within the last 4 months. Have 4 open CC other than the ones just opened, with hard pulls going 4 - 3 - 3 before applying. I'll run my report here after my statements close at the first of the month and let you know what kind of inquiries I got and how it affected my scores.
Jun 29, 2013, 1:44 pm
#1088
Join Date: Jul 2011
Location: NYC
Programs: Mileage Plus, Aadvantage, Skymiles, Marriott, Priority Club, SPG, Amtrak, Hertz
Posts: 834
Jun 29, 2013, 1:49 pm
#1089
Suspended
Join Date: Jan 2013
Location: LAX/SNA
Programs: AA, Hilton Gold
Posts: 3,887
Jun 29, 2013, 1:51 pm
#1090
Join Date: Feb 2006
Programs: Krisflyer, Asia Miles, Miles and Bonus
Posts: 251
Jun 29, 2013, 2:00 pm
#1091
Join Date: Jul 2011
Location: NYC
Programs: Mileage Plus, Aadvantage, Skymiles, Marriott, Priority Club, SPG, Amtrak, Hertz
Posts: 834
Jun 29, 2013, 2:11 pm
#1092
Join Date: Jul 2005
Posts: 30
Churn Results: My first decline
@Startin: why yes, I was very surprised obviously. Hence my mini rant. Like I said, I was approved for EVERY card for which I applied. The common knowledge of Barclays being a giant PITA is relatively recent. As I mentioned , the heck with Barclays. I'm sure they don't care but given they seem to turn down virtually everybody at one time or another they seem to be losing a lot of share vs their competitors.
Jun 29, 2013, 2:55 pm
#1093
Moderator: Travel Buzz
Join Date: Aug 2012
Location: Sunny San Diego
Posts: 3,099
Hang in there. I think when you start to up the ante, such as more apps than the average person, you are bound to have some bumps in the road.
I'm a relative newcomer, so the Barclays churnability was already a thing of the past when I started learning about miles and points. It seems like booms turn to bust in the miles world pretty quickly.
In the meantime, with or without Barclays, you've got lots of spend to work on and a terrific haul by any standards.
Jun 29, 2013, 4:12 pm
#1094
Suspended
Join Date: Jan 2013
Location: LAX/SNA
Programs: AA, Hilton Gold
Posts: 3,887
Hang in there. I think when you start to up the ante, such as more apps than the average person, you are bound to have some bumps in the road.
I'm a relative newcomer, so the Barclays churnability was already a thing of the past when I started learning about miles and points. It seems like booms turn to bust in the miles world pretty quickly.
In the meantime, with or without Barclays, you've got lots of spend to work on and a terrific haul by any standards.
I'm a relative newcomer, so the Barclays churnability was already a thing of the past when I started learning about miles and points. It seems like booms turn to bust in the miles world pretty quickly.
In the meantime, with or without Barclays, you've got lots of spend to work on and a terrific haul by any standards.
Jun 29, 2013, 7:52 pm
#1095
Moderator: Travel Buzz
Join Date: Aug 2012
Location: Sunny San Diego
Posts: 3,099
I think the marketplace responds best to competition, so I hope that Barclays, US Bank, Bank of America, Cap 1 etc INCREASE, not decrease their offerings in the future. The more banks vying for customers, the better for us.