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You can check your application status online here.

Barclay reconsideration line: 866-408-4064, Mon-Fri 8AM - 5PM EST.
The 24-hour number is (866-951-1437) 866-408-4064
New 24 hour number is 866-205-5973

Based on the phone reps, an application usually remains in the system for 90 days, during which you can ask for a reconsideration.
However, if 30 days have passed, it will incur another hard pull.

There have been a few reports of Barclay pulling credit again when reconsidering - even when specifically asked not to.
Make sure to explicitly tell the rep that you don't want another credit pull. The benefit of such action would be that if later you see they did pull your credit you can call up and speak to a manager and have the pulls removed (based on first-hand accounts from this thread).

If you want to guarantee that you don't get another pull, freeze your credit report.

While Barclay recon reps are usually very tough to deal with, there have been sporadic reports of them reconsidering by reallocating credit-line from other cards. Additionally, there are a few reports indicating success with the 3BM.

Barclay recon reps take notes of each phone call and subsequent reps usually regurgitate the previous rep's reply.

Random: see this great article about negotiating tactics with Customer Service Reps.
« Last edited by shoobi on August 25, 2015, 07:24:09 PM »

Author Topic: Barclays Reconsideration  (Read 147108 times)

Offline Moishebatchy

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Re: Barclays Reconsideration
« Reply #15 on: September 04, 2012, 05:45:45 AM »
They pulled both my Experian and Equifax reports when i called recon (i explicitly told the rep not to pull them). Do i fight these inquiries through Braclays or the Credit Bureaus?

CB.

Offline harry

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Re: Barclays Reconsideration
« Reply #16 on: September 04, 2012, 06:43:05 AM »
waste of time with barclays. after they pull your score and it is an excellent score, they then decide that "you have had too many open credit cards" lately and then go on to deny you.

and if you do research, you will see that it is very common practice with them.

Offline Shmulyg

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Re: Barclays Reconsideration
« Reply #17 on: September 04, 2012, 03:05:23 PM »
Isn't it illegal for them to pull your credit without your consent??? (or in my case - after explicitly telling them not to)

Offline Shmulyg

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Re: Barclays Reconsideration
« Reply #18 on: September 07, 2012, 02:18:40 PM »
Today i called them up and asked them to remove the inquiries from Experian and Equifax. After initially being denied, i was transferred to a supervisor who put me on hold and listened to my entire (recorded) phone call with the recon dept (ten minutes) on which i clearly tell the rep and the beginning of the call not to pull my credit report. After being on hold for some 12 minutes, the supervisor gets back on the line and tells me that yes there "seems to have been a miscommunication" and that he retracted the two pulls. He said i should see them gone within 30 days.

Offline sky121

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Re: Re: Barclays Reconsideration
« Reply #19 on: September 07, 2012, 04:38:46 PM »
Today i called them up and asked them to remove the inquiries from Experian and Equifax. After initially being denied, i was transferred to a supervisor who put me on hold and listened to my entire (recorded) phone call with the recon dept (ten minutes) on which i clearly tell the rep and the beginning of the call not to pull my credit report. After being on hold for some 12 minutes, the supervisor gets back on the line and tells me that yes there "seems to have been a miscommunication" and that he retracted the two pulls. He said i should see them gone within 30 days.

Glad it worked out.
"Not all who wander are lost"

Offline Shmulyg

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Re: Re: Barclays Reconsideration
« Reply #20 on: September 08, 2012, 08:56:41 PM »
Glad it worked out.
Thanks!
My point of posting was to tell others that it cant hurt to try.

Offline john

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Re: Barclays Reconsideration
« Reply #21 on: September 10, 2012, 04:46:15 PM »
I applied my 3rd US Airways credit card today for this year. got rejected and reconsideration told me, that they cannot approve it, as I have closed 2 of these cards this year itself. asked me why I closed it this year? (Last one was just last week) I said, it was in error. but they didnt approve it.

Any idea how to overcome this Braclay reconsideration?

Offline Moishebatchy

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Re: Barclays Reconsideration
« Reply #22 on: September 10, 2012, 04:50:32 PM »
I applied my 3rd US Airways credit card today for this year. got rejected and reconsideration told me, that they cannot approve it, as I have closed 2 of these cards this year itself. asked me why I closed it this year? (Last one was just last week) I said, it was in error. but they didnt approve it.

Any idea how to overcome this Braclay reconsideration?
HUCA.  ;)

Offline john

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Re: Barclays Reconsideration
« Reply #23 on: September 10, 2012, 04:54:18 PM »
Thanks. Thats what I thought of doing. I was wondering, if they keep log of past conversations. My reason for denial is specifically 2 US Air cards this year applied. approved and closed. so they cannot do it anymore. that was reason. Any good logical reason to overcome this hurdle? how would you answer it, if it comes again?

Offline Moishebatchy

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Re: Barclays Reconsideration
« Reply #24 on: September 10, 2012, 05:07:34 PM »
Thanks. Thats what I thought of doing. I was wondering, if they keep log of past conversations. My reason for denial is specifically 2 US Air cards this year applied. approved and closed. so they cannot do it anymore. that was reason. Any good logical reason to overcome this hurdle? how would you answer it, if it comes again?
First of all, the beauty of HUCA is that you have nothing to lose. You can call a hundred times, and all you've lost (if you don't get approved) is some time, and a serious dent in your phone bill. No one can "punish" you in any way. You can just keep trying.

As for the notes... If they write notes about it, call a few times and deliberately steer the conversation toward other topics. Eventually, the notes will be clogged with useless garbage, and they might not notice the original notes. ;D

As for the cards closed... Be creative. Say you decided to switch to cash for a while, but realized the hard way that it was making a serious dent in your precious US miles balance. Or "shamefacedly" admit that you wanted to try another airline-branded card, but now you have seen the glorious light of US and Barclays once again. Think outside the box! :)

Offline john

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Re: Barclays Reconsideration
« Reply #25 on: September 10, 2012, 05:59:57 PM »
I called 3 times now in space of 1 hour each. it is same person - Joanne, who picks up the phone at Barclay (so I hang up). Do they have only 1 person there or I am sheer unlucky to get her only. May be shall I call another day?

Offline daganster

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Re: Barclays Reconsideration
« Reply #26 on: September 10, 2012, 06:13:52 PM »
I called 3 times now in space of 1 hour each. it is same person - Joanne, who picks up the phone at Barclay (so I hang up). Do they have only 1 person there or I am sheer unlucky to get her only. May be shall I call another day?
Small bank's syndrome:)

Offline Moishebatchy

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Re: Barclays Reconsideration
« Reply #27 on: September 10, 2012, 06:25:10 PM »
May be shall I call another day?

Nothing to lose...

Offline Shmulyg

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Re: Barclays Reconsideration
« Reply #28 on: September 10, 2012, 07:43:44 PM »
I can personally testify, that yes, they keep logs of your calls. But persistence can never hurt... :)

Offline Shmulyg

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Re: Barclays Reconsideration
« Reply #29 on: September 10, 2012, 07:49:19 PM »
BTW, there are two numbers to call. One is recon and the other is credit analysis, i think. Anyway, here they are:

866-408-4064
866-369-1283

Make sure to explicitly tell the rep that you dont want another credit pull (although, in your case they may not do it), so like this you can have them removed later if need be (see my above post).