C**z
发帖数: 65 | 1 For your data point.
Barclay is definitely another kind of animal. It's notorious for it's
insanely conservativeness on approving ppl with many recent hard hits in
their CR. I heard that before, and yet still wanted to try my luck. I want
to get on board in the last minute for the USA master card with 10k
anniversary bonus miles.
Application link: https://www.barclaycardus.com/apply/Landing.action?
campaignId=1995&cellNumber=5
My background: 3 years of credit, 20+ accounts, app-o-roma player. 9 hits on
record. No business with Barclay before.
I got rejected after application, no surprise. Having tried to call the
recon line immediately, for 3 times, used any of the known tricks (small
talks, no mentioning sign-up bonus, emphasizing clean credit history,
promising not being a credit seeker, etc.), the best I got is a sympathetic
moan from a representative. I was told that I need to "further prove my
credibility" (means many of my new accounts are less than 1 years old) and
was "welcome to apply when it is proved" (means I was fucked this time).
What is this, marriage? I didn't complain, and made the right decision:
thank them calmly, and hang up.
The "hang-up-and-call-back" trick didn't work, either!
I heard that Barclay tracks the number of times of your calls. So I
calmed down, waited for 1 day and picked up the phone again. This time I
decided to try another strategy.
Then Dan's on the line. I went through the regular part (greeting,
pretending surprised getting rejected, background check, blabla) and finally
heard the question I waited for so long. This was the moment of truth.
-Dan: Now I see a lot of inquiries in your recent record, could you
explain to me why are you seeking credit?
-me: Because I'm smart. (pause) I'm just kidding.
-Dan: (jiggles)
-me: Look, yes you see a lot of inquiries in my credit report, because I'm a
savvy customer. I always use the card that gives me the most value. If you
notice, you'll find that most of my cards gives me category rewards. I
travel a lot (true), and I fly US Airways a lot (false), I just want to get
a card that makes sense. I'm NOT an aggressive credit seeker, as you see it
in my history. I always pay my bills in full. No late payment, No revolving
balance. I know my financial status. I'm just being honest.
Then he jiggled again and asked for a few more questions about my liquidity.
He finally approved me with a cl of 10k.
So 4 calls for a card. I never did anything like this. Whew!
I'm happy writing this now, but not intend to boast anything. If no
trick works, maybe it's worth a try to promote yourself, with you the
salesman, he the customer. I sold a story, and he sold me a card. Hope my
story helps.
Have a nice day. |
w****h
发帖数: 530 | 2 10K only on first anniversary, plus the 89 AF, is it still that attractive? |
C**z
发帖数: 65 | 3 I'm greedy ;)
【在 w****h 的大作中提到】
: 10K only on first anniversary, plus the 89 AF, is it still that attractive?
|
c******w
发帖数: 1054 | 4 How many hard pulls did you have? Also did you confirm with him about the
sign-up bonus? Is it still 40k miles?
【在 C**z 的大作中提到】
: I'm greedy ;)
|
C**z
发帖数: 65 | 5 9 (I wrote in in the post?)
I didn't confirm with the same rep. But yes, I got that offer.
【在 c******w 的大作中提到】
: How many hard pulls did you have? Also did you confirm with him about the
: sign-up bonus? Is it still 40k miles?
|
c*******8
发帖数: 1500 | 6 最近1年4个hard,申了这种40k+10k，秒批不过才给2k，反正也没打算用。。。 |
m******d
发帖数: 29 | 7 Thanks for sharing. A quick question: is the bonus for premier member only
as it is showing on top of the page? |
w****r
发帖数: 15252 | |
w****h
发帖数: 530 | 9 养信用吗
【在 w****r 的大作中提到】
: 最近一年一个hard都没有，不完了，没意思
|
w****r
发帖数: 15252 | 10 不养，不买房，就是没啥好卡值得申请没动力
【在 w****h 的大作中提到】
: 养信用吗
|
|
|
C**z
发帖数: 65 | 11 I don't know. I'm not premier, however the rep confirmed that I am eligible
for this offer. My guess is that's OK. But it might YMMV.
【在 m******d 的大作中提到】
: Thanks for sharing. A quick question: is the bonus for premier member only
: as it is showing on top of the page?
|
c******w
发帖数: 1054 | 12 今天下午申请被拒，估计是因为hard pull太多了，准备背牢lz的台词等recon用 |
B******y
发帖数: 9065 | 13 懒得和barclay废话，我打电话reconsider被拒以后，就再懒得和它多扯了。。。
【在 c******w 的大作中提到】
: 今天下午申请被拒，估计是因为hard pull太多了，准备背牢lz的台词等recon用
|
c******w
发帖数: 1054 | 14 追问一下lz打的是什么号码？
是不是866-408-4064？ |
C**z
发帖数: 65 | 15 yep
【在 c******w 的大作中提到】
: 追问一下lz打的是什么号码？
: 是不是866-408-4064？
|
s****a
发帖数: 1086 | 16 我的经验就是barclays recon会有额外的hard pull，所以尽量不要recon。万一打了电
话还是不给批就坑了。 |
C**z
发帖数: 65 | 17 If it's on the same day, it'll combine.
【在 s****a 的大作中提到】
: 我的经验就是barclays recon会有额外的hard pull，所以尽量不要recon。万一打了电
: 话还是不给批就坑了。
|
s****a
发帖数: 1086 | 18 会pull另一个信用局的，怎么combine？
【在 C**z 的大作中提到】
: If it's on the same day, it'll combine.
|
k*******3
发帖数: 392 | |
n***h
发帖数: 1613 | 20 in my case recon doesn't trigger another hard pull (only one TU)
but they refuse to match the 10k anniversary bonus =( gonna cancel it
【在 s****a 的大作中提到】
: 我的经验就是barclays recon会有额外的hard pull，所以尽量不要recon。万一打了电
: 话还是不给批就坑了。
|
|
|
c******w
发帖数: 1054 | 21 No luck! Called them twice today but got rejected again... Never deal with
Barclay again.
on
【在 C**z 的大作中提到】
: For your data point.
: Barclay is definitely another kind of animal. It's notorious for it's
: insanely conservativeness on approving ppl with many recent hard hits in
: their CR. I heard that before, and yet still wanted to try my luck. I want
: to get on board in the last minute for the USA master card with 10k
: anniversary bonus miles.
: Application link: https://www.barclaycardus.com/apply/Landing.action?
: campaignId=1995&cellNumber=5
: My background: 3 years of credit, 20+ accounts, app-o-roma player. 9 hits on
: record. No business with Barclay before.
|
L**Y
发帖数: 2145 | |
h****s
发帖数: 16779 | 23 可以churn。
可以churn吗？我好想年初关的卡？？
【在 L**Y 的大作中提到】
: 可以churn吗？我好想年初关的卡？？
|
