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Just a data point - Got pended, will call recon tomorrow. Have the NFL card and recently closed barclays arrival card. Have had no activity on the NFL card for a long time. This was my third application in a mini AOR (first yesterday was amex for 50k points, then chase swa for 50k points) and now this.
UPDATE: Called recon, approved $10k loc. In retrospect, should have applied for barclays first before the other cards this round of apps. |
Just a data point on getting the higher offer, I applied a few months ago under the old 40k bonus points offer. Called today and asked them to match to the 50k offer. They said they couldn't do that and gave me 2,500 points instead. Took it as it was better than nothing.
Also do we know when is the last possible time to apply for this card? I only got my US Airways card in Oct/Nov and would like to try for a 2nd but worry that it would be too soon now and would be instantly denied. |
Originally Posted by Superorb
(Post 24231069)
I forgot that Barclays rounds up/down so anything $0.50 or higher should round up and generate the point/spend. I haven't seen any packs of gum for a quarter in some time now, so I just assumed it wouldn't be a problem. Can always buy a burger or other cheap fast food item on the way to/from work.
Why not just carry it in your wallet for a little while and give them a few purchases? Does it really cost you anything to spend a couple of hundred dollars on the card? |
Originally Posted by travelbug2225
(Post 24231693)
This is the first time I applied for credit card and get denied. My Equifax score is 837 and Transunion score is 790 which Barclays provided in a denied letter.
I have a high credit usage because I use some of my personal card for my business. I spent around $60K each month but I paid off every month and never late. I have several credit card but I put most of my spending on SPG and Chase Ink and Sapphire (personal). Can I call to get a reconsideration after I got denied letter? Will I get denied if I apply for Citi or Chase next month? I was planning to apply for 3 credit cards this month but applied for Barclays first but when I did not get instant approve, so I did not continued to apply for the other credit card that I plan. If your credit score is that high it shouldn't really be a problem but you can always reduce the utilization percentage by paying off the cards early (before the balance is reported) Also, calling recon can't hurt. Just explain your situation and point out that you have never once had a late payment, so you are not over-extending. |
Originally Posted by VegasGambler
(Post 24232720)
I don't understand why people feel the need to go out of their way to abuse stuff like this. And then you wonder why you get turned down when you try to apply for a 2nd card or a different product.
Why not just carry it in your wallet for a little while and give them a few purchases? Does it really cost you anything to spend a couple of hundred dollars on the card? |
Originally Posted by neony77
(Post 24227621)
Data point - instant approval for a second card. First one is still open and got that in July 2014.
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Applied for second card while the first one was open, got a denied letter something along the lines " sufficient credit is available on Barcalys cards". I reduced my existing US airways card limit from $15K to $5k a day before applying. I called after getting the denial letter and before I make my case why i would need a second card, was shot down due to having existing US airways card. Is it something new?
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Data points:
Wife: cancelled USAirways CC on 12/27/14 via secure message; applied 30 days later on 1/22. Instant approval. Me: applied in October (10/19/14). Rejected for already having a USAirways card. Cancelled 1/7/15; applied 19 days later (1/26). Not instantly approved. Checked online and found it was denied. Called recon and was told that the app was automatically rejected (without a pull) because of the October rejection (she said something about it being automatic if within 90 days, but it has technically been 99 days since the previous app). Anyway, I authorized the pull and was then approved. |
Originally Posted by travelbug2225
(Post 24231693)
This is the first time I applied for credit card and get denied. My Equifax score is 837 and Transunion score is 790 which Barclays provided in a denied letter.
I have a high credit usage because I use some of my personal card for my business. I spent around $60K each month but I paid off every month and never late. I have several credit card but I put most of my spending on SPG and Chase Ink and Sapphire (personal). Can I call to get a reconsideration after I got denied letter? Will I get denied if I apply for Citi or Chase next month? I was planning to apply for 3 credit cards this month but applied for Barclays first but when I did not get instant approve, so I did not continued to apply for the other credit card that I plan. Seems to me if one pays off balances perfectly every month, there is a caveat somewhere. There are cards that have the CU reports NOT after each cycle but rather at the beginning of the month. Supposedly that's DS and US Bank. |
How long does it take points to post?
I understand that the sign-up bonus pts don't post until after you pay the annual fee. I was in no rush to get the pts to post (I'm not going to use them until the balances merge with AA) so I didn not pre-pay the annual fee before my statement closed.
However, my first statement closed on 1/12 and I have still not received the miles from the regular purchases. Is this normal? Do they wait until you pay to post the miles? (I have a payment en route). Most banks give you the points/miles as soon as the statement closes. I have never had a card from Barclay before so I don't know if they do things differently or not... |
Originally Posted by starbuk
(Post 24235538)
Did you use your first card a lot?
Since mine, wife got approved instantly as well .. it was her first card though.. |
Originally Posted by nadir576
(Post 24235934)
Applied for second card while the first one was open, got a denied letter something along the lines " sufficient credit is available on Barcalys cards". I reduced my existing US airways card limit from $15K to $5k a day before applying. I called after getting the denial letter and before I make my case why i would need a second card, was shot down due to having existing US airways card. Is it something new?
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Originally Posted by gpts12
(Post 24236609)
Data points:
Wife: cancelled USAirways CC on 12/27/14 via secure message; applied 30 days later on 1/22. Instant approval. Me: applied in October (10/19/14). Rejected for already having a USAirways card. Cancelled 1/7/15; applied 19 days later (1/26). Not instantly approved. Checked online and found it was denied. Called recon and was told that the app was automatically rejected (without a pull) because of the October rejection (she said something about it being automatic if within 90 days, but it has technically been 99 days since the previous app). Anyway, I authorized the pull and was then approved. |
I just got off the phone with Barclays to try and get the 50k offer applied retroactively to my existing card (which got the 40k offer)... because why not?
No dice on that, however, they did offer a 10k mile bonus for $1k spend in 90 days. I can do that easily. So when I get back home, this card goes back in my wallet... behind another card, because it's ugly. |
Originally Posted by jan_believes
(Post 24236782)
Seems to me if one pays off balances perfectly every month, there is a caveat somewhere.
There are cards that have the CU reports NOT after each cycle but rather at the beginning of the month. Supposedly that's DS and US Bank. |
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