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Messages - Shmulyg

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Credit Cards / Re: Barclays Reconsideration
« on: September 13, 2012, 02:46:18 AM »
Out of my 5 times, I tried 3 times analyst. 2 times reconsideration number.

Wow! So not only do they keep logs, they even coordinate between agencies! These guys mean business!

I wish the the best of luck! But unfortunately, I've got no ideas at the moment. 

Credit Cards / Re: Barclays Reconsideration
« on: September 12, 2012, 09:17:43 PM »
Did you guys try both numbers i listed above?

Credit Cards / Re: Barclays Reconsideration
« 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:


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).

Credit Cards / Re: Barclays Reconsideration
« 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... :)

Credit Cards / Re: Re: Barclays Reconsideration
« on: September 08, 2012, 08:56:41 PM »
Glad it worked out.
My point of posting was to tell others that it cant hurt to try.

Credit Cards / Re: Barclays Reconsideration
« 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.

Credit Cards / Re: Barclays Reconsideration
« 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)

Credit Cards / Re: Barclays Reconsideration
« on: September 04, 2012, 05:30:44 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?

Credit Cards / Re: Barclays Reconsideration
« on: September 02, 2012, 01:23:27 AM »
I recently applied for 2 US airways cards and 1 Virgin America and was instantly approved for 1 US with a 10k credit line. I immediately called recon and asked to push the other to through, but she was reluctant since she saw that I had recently opened 8 credit cards so she told me that they would would love to approve more cards but I would need to wait 6-12 months use my cards and they'll determine later on if they could issue more cards to me. I began explaining why I had recently opened so many cards and asked her to transfer 5k from 1 US to the other which she ultimately agreed. My advice, be nice and honest with them and they'll be pretty accommodating as they aren't Indian robots reading off a text.

Thanks daganster for your experience!

I would love to hear from more of you so we can get a broader picture.

Credit Cards / Barclays Reconsideration
« on: September 02, 2012, 01:07:42 AM »
Sorry for starting a new thread, but with the Barclays US Airways card becoming a force to be reckoned with in the churning world, and the limited information regarding this card on this forum, i felt compelled to do so.

So here's my question:

Does Barclays recon work like Chase that if you offer to transfer available credit lines, they agree in no time, or do they play it differently? Does anyone have actual real-life experience with this?

On a side note, i would like to report that HUCA doesn't work quite that well at Barclays, as they keep logs of your previous calls and the rep right away sees what the previous rep told you.

Any input would be greatly appreciated. Thanks!

Tachlis, after calling many times and having no luck (they keep logs of who calls so the next rep just regurgitates what the previous one said...), i got them to reinstate my old card (even though its past 15 days).

Now im hoping that once i have a credit line with them, ill open a random card through shifting some of my US Air credit line and then try again for a US Airways, and when i get declined, tell them that im not asking for more credit, just move some of the credit line from my other card. This method works wonders with Chase (i almost always get declined but call recon and shift credit lines).

So what do you guys think? Will this work? Or does it only work by Chase?

Just got same type of response from them, maybe we spoke to the same person :)

So what's the plan of action?

Does anyone else have any ideas?

I closed my first Barclays US Air card and then tried to reopen a few days later. I was declined due to "Too many new accounts opened."

So i called up the number supplied on the paper they sent me and was given this number 866-408-4064 (dont know to which department that goes) and the guy basically told me that i had too many inquiries (10) and too many opened cards (eight) over the past year. He also mentioned my recently closed US Air card which i didnt spend much on. When i asked him where he got the info on all those inquiries when i specifically asked not to pull my credit again (i only had 3 inquiries with TransUnion), he told me he got them from Experian but he claims he didnt do a "hard pull."

Was he lying? Can he get that info with a soft pull?

Either way, after reading up on this thread i came across the number john posted, 866-369-1283, and gave it a try. This time the rep told me that they want to see some spending and payments on the cards i recently opened, to prove my creditworthiness. I tried arguing with him, pointing out that i never made a late payment in my entire history, but to no avail.

Does anyone have any advice for me?

Credit Cards / Re: Chase checking coupons
« on: August 24, 2012, 02:40:18 AM »
The best way is to transfer money from a bank that allows free ACH transfers.

And which banks would that be?
Also, can anyone else corroborate meshugener's claim that it will work?

Credit Cards / Re: BofA Credit Card $400 for signup
« on: August 07, 2012, 05:41:03 AM »
But if the $400 dollar cash rebate is redeemed to a BOA checking account you get another 10% ($40)... right?  That's what it says right in my account for this card when I go to the rewards section.
Again, i clearly asked the rep this exact question and he told me this is a cashback rebate, not redeemable points, so you dont get the 10 bonus. It could be he's mistaken, but that's what he said.

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