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Second Barclays App within 2 months with updated information

Second Barclays App within 2 months with updated information

Old Feb 10, 2014, 8:59 am
  #1  
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Join Date: Sep 2013
Location: Philly
Programs: HH Gold, Marriott Silver, Alaska MVP Gold
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Second Barclays App within 2 months with updated information

My girlfriend is a grad student, who receives a small stipend. She applied for the Arrival card a few weeks ago and did not list any income. She tried the reconsideration line a few times, and explained the income situation, but they did not budge.

She just got a targeted offer for the US Air card in the mail. If she applies again listing her stipend as income, do you think this will work?

I think that if they ask why she has a previous application with 0 income, she has a pretty good answer that she tried to explain it to them last time but they couldn't change the number on the application.
sportscenter26 is offline  
Old Feb 10, 2014, 2:10 pm
  #2  
 
Join Date: Aug 2013
Posts: 34
Originally Posted by sportscenter26
My girlfriend is a grad student, who receives a small stipend. She applied for the Arrival card a few weeks ago and did not list any income. She tried the reconsideration line a few times, and explained the income situation, but they did not budge.

She just got a targeted offer for the US Air card in the mail. If she applies again listing her stipend as income, do you think this will work?

I think that if they ask why she has a previous application with 0 income, she has a pretty good answer that she tried to explain it to them last time but they couldn't change the number on the application.
I would apply the 2nd time with an income. A small stipend is better than 0. If you were a bank would you approve someone to take a loan from you with $0 income?
Shelby455 is offline  
Old Feb 10, 2014, 2:14 pm
  #3  
 
Join Date: Jul 2009
Location: KWI
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Posts: 806
Originally Posted by Shelby455
Originally Posted by sportscenter26
My girlfriend is a grad student, who receives a small stipend. She applied for the Arrival card a few weeks ago and did not list any income. She tried the reconsideration line a few times, and explained the income situation, but they did not budge.

She just got a targeted offer for the US Air card in the mail. If she applies again listing her stipend as income, do you think this will work?

I think that if they ask why she has a previous application with 0 income, she has a pretty good answer that she tried to explain it to them last time but they couldn't change the number on the application.
I would apply the 2nd time with an income. A small stipend is better than 0. If you were a bank would you approve someone to take a loan from you with $0 income?
I've applied using Unemployment income and have been approved...
LoneTree is offline  
Old Feb 10, 2014, 3:09 pm
  #4  
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Join Date: Sep 2013
Location: Philly
Programs: HH Gold, Marriott Silver, Alaska MVP Gold
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Yeah I know that including the income is going to be more successful, but do you think it will raise a red flag that she can't explain away that she has a recent application with no income?
sportscenter26 is offline  
Old Feb 10, 2014, 3:53 pm
  #5  
 
Join Date: Sep 2005
Programs: Northwest, United
Posts: 3,256
Originally Posted by sportscenter26
Yeah I know that including the income is going to be more successful, but do you think it will raise a red flag that she can't explain away that she has a recent application with no income?
She got a raise.

Why is this so hard?
nwflyboy is offline  
Old Feb 10, 2014, 8:10 pm
  #6  
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Update: she was approved
sportscenter26 is offline  
Old Feb 11, 2014, 7:30 am
  #7  
 
Join Date: Feb 2006
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Glad she got approval.

My question was: what did she put down as housing cost?

I think it's the income minus housing cost that gets the attention. JMHO
jan_believes is offline  
Old Feb 11, 2014, 1:47 pm
  #8  
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Join Date: Sep 2013
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There was nothing on the application about housing cost, just income.
sportscenter26 is offline  

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