Barclaycard pre-application70-80% chance-any anyone else had this & been approved?

DEBTMONKEY1A

Hi!

Ok...been building a good credit rating over last year. Details as follows....over 5 years in current address, no ccjs, defaults, just over a year in job (£18200 PA), on electoral roll, bank a/c held for 1 year 3 months.

I have an O/D with bank-cleared every month in full (currently £300 O/D-limit £800) & 3 credit cards (aqua, cap 1 & vanquis)-all clear bar £80 & paid on time. I was pre-approved 70-80% of simplicity-7.9%, purchase card 70-80% or Barcalycard Initial 80-90%.

After a few atempts online (it kept sticking & not taking page further) I called through (overseas call centre!)....told guy I had 70-80% 'pre-approved' & he said I had a good chance (also checked there were not numerous applications from my failed atempts-there were not) & 'my application was being sent to the credit team' (apparently no immediate yes or no with barclaycard) 'who would offer me an alternative product if i was not eligable for the product i applied for'.

I really really want to bin off Vanquis & cap 1-has anyone else been in the same situation & been approved?

**Edit-why did they also ask for my partners income? They're aware it's a joint tennancy?**

Venusflytrap

Your chances may be improved if you reduce your perceived dependency on your OD month to month. A constant use of an OD may be judged as you living above your means or having a cash flow problem.

DEBTMONKEY1A

Venusflytrap...just putting the £300 OD figure as what they'll see NOW. Previous months either not used or just £40-£50. Axle went on car unfortunately!!!!

kadiea

I got 70-80% likley on a Platinum and was approved with no credit history! Did bank with barclays as well. Sounds like you should get it!

izools

I got 70-80% likely, applied, received a letter a few days later stating I'd been approved then another letter a few days after that to say I'd been declined...

Indecisive much?

DEBTMONKEY1A

Hi izools! Since i applied yesterday am I was approved last night for a Sygma Flybe card (has ANYONE ever been declined after 'you'll get card in 7-10 days mail??!) so HOPING for a 1/2 decent limit on that!

Izools...is it true that on phone apps NO-ONE gets a 'yes/no' straight away with barclaycard? Also....do you know if you can make multiple aps with Sygma? If so when to do it? Read on here somewhere you could do it straight away? If possible I'd love to do this & bin vanquis/cap 1!:T

DEBTMONKEY1A

Ok...phoned them-£1k limit. Would have been nice to have more but at least now i have a card with a 1/2 decent limit...APR 24.9%...again not FAB but a step in the right direction. Half-tempted to try for another one.....(!!!!!!!!). Now....I wonder if the 7.9% Barclaycard Platinum will come off.....again tempted to call them!

izools

Yes, Barclaycard do offer instant approvals / instant declines.

In our cases, our applications were referred. But other people have had an approval and limit as a response in the past.

Sygma are stricter than they used to be so not sure about multiple card re-apply times. Wouldn't like to use my experience as a benchmark as their whole product lineup and branding has changed radically since I became a customer.

Good luck with Barclaycard!

DEBTMONKEY1A

Thanks Izools! The overseas call centre guy said that on the phone (my web page kept freezing) they never give an instant decision (yeah right!)....so will have to wait & see!

I tried for another creation card (I know I know!)- the 0 % purchase mastercard-similar problem with last page after hitting confirm (maybe I've some java script issue-same problem with barclaycard??)-this time NO e-mail to say declined or accepted. Rung them-no record of an application but they said 'it can take 3-5 days to show on our system if its declined (??!)'....so if it's been referred surely that'd be the same thing??

Izools-if it's a straight decline do you get an e-mail straight away?

izools

Well... When I opened my Sygma / Creation accounts there was no email atall, I had a "We'll contact you in 7-10 days" on their website, and two weeks later the card arrived. No communication in between.

If it's a straight decline, however, you're told online. No email.

DEBTMONKEY1A

Must be my internet...(!). When I clicked 'submit' I got the page saying 'internet explorer can't display this page'. Exactly same thing happened for FLYBE but e-mail confirmation nearly striaght away. However as i said earlier..no e-mail & it's not on the sygma 'system' yet....so just to clarify if it's a straight decline no e-mail to confirm this?