My simple February three card application day was anything but successful at first glance. I was one for three scoring only the Mercedes Benz card from Amex and receiving rejections from Bank of America for the Virgin Atlantic card and most recently, the US Airways card. After sending a reconsideration letter to Bank of America, they came to their senses, realized what a great credit risk I am, and approved my Virgin Atlantic Amex card for 50,000 miles IIRC. Now to deal with Barclays, maybe.
They denied me based on:
Sufficient credit is available on your account issued by Barclays Bank Delaware.
I have two other credit cards with Barclays. They are a personal and business US Airways cards. Here is my dilemma along with an email I just got from Eric is making me hesitant to take another swing at them:
Is there a reason why it’s better to wait then call Barclays when you don’t get an instant approval? I recently did what you did and applied for a 2nd US Airways MC while I have another one open. When I get the “pending review” screen I called them, twice, but was denied. I later found out that the recon dept pulled reports from all 3 credit agencies to review my credit. Ultimately, I was still denied cuz they said I have 7 new accounts in the last 6 months. But is the reason not to call cuz Barclay would pull 3 all credit agencies? Had I just waited would they have reviewed my credit without pulling all 3 credit agencies?
Thanks in advance for your help!
Well I don’t think they would have pulled all three if you didn’t call for reconsideration, so hence my hesitancy to ask for a reconsideration. I don’t need or want three more pulls for a 40K approval. I could easily cancel the business card and/or lower the credit limit on my existing personal card, but three pulls? one from each agency?
Before I decide, its time for the gang to chip in again with advice. This is the first I have ever heard of this one before. I have never been denied by Barclays so will be all ears as to your past experiences. Comments will not only help me, but Eric and others as well.
IHG® Rewards Club Select Credit Card
- Annual Fee: $49 fee waived for the first year
- Foreign Fees: No
- Card Type: Hotel
The IHG Rewards Club Visa is often cited as one of the most underrated hotel credit cards, with good reason. The official offer is for 70,000 points after $1,000 spent within three months, with the first year’s fee waived. The card comes with an annual free night certificate that can be used at any IHG property, including Intercontinental hotels - making this certificate worth upwards of 50,000 points. This is far more generous than some other hotel cards, which limit the categories in which free night certificates can be redeemed.
Cardholders earn 5 points per dollar at IHG hotels; 2 points per dollar at gas stations, grocery stores, and restaurants; 1 point per dollar everywhere else. Moreover, you’ll get a 10% rebate on award redemptions, up to 100,000 points per year. The card also comes with Platinum status, though that doesn’t get you much with IHG. Still, this is a fantastic card to have in your wallet, with benefits that far outweigh the already low $49 annual fee.
- Earn 70,000 bonus points after you spend $1,000 in the first 3 months of account opening
- Enjoy a free night of card membership at over 4,700 hotels worldwide
- Earn 5 points for each $1 spent at our hotels
- Earn 2 points per $1 spent on purchases at gas stations, grocery stores and restaurants
- Bonus points redeemable at hotels such as Intercontinental® Hotels & Resorts, Crowne Plaza® Hotels & Resorts and Holiday Inn®
- Automatic platinum elite status, as long as you remain a cardmember
- $0 introductory annual fee the first year, then $49