Barclaycard, reject then accept

andys15

Hi. I applied for a Barclaycard last month and was rejected. I then applied for mbna and nationwide and they both accepted me, and gave me ok credit limits(£9000 and £5000), I then applied for a barclaycard, and they accepted me and gave me a £5000 limit. Sounds crazy.

[Deleted User]

Sounds about right for Barclaycard.

Prepare for them to reject you again once your card arrives.

stator

I'm surprised given there must be quite a few searches on your credit record now.
I hope you're going to be sensible with those cards, that's a lot of credit

andys15

Zx81. My card has arrived and I have just activated it. I don't think they can cancel it now. Can they?

lottie3

Doesn't credit rating work on positive feedback from creditors? Meaning that now you have been accepted by the other 2 banks and payments being made, that you then become more credit worthy on you're profile and scoring ??? Maybe I got it wrong but thought the more credit you had positively keep up to date of course the more credit worthy you become ....

My advice tho would be don't do it, don't lend with out a good plan behind you to pay it all back ....

andys15

Lottie. Last month I applied to Barclaycard, and got the message saying they need to look into it further, etc etc. I then got the reject letter. I then applied to Nationwide this month, and got the same response, so assumed I had failed, so applied for the Barclaycard anyway, and got the same response, and once again assumed i had failed. I then saw someone on here talk about the Fluid card, I applied and got an instant acceptance with a £9000 limit. So I have not spent on any, didn't want 3 cards, but they are all now up and running, apart from nationwide who have just sent me out a pin number.

Aquamania

andys15 wrote: »

Hi. I applied for a Barclaycard last month and was rejected. I then applied for mbna and nationwide and they both accepted me, and gave me ok credit limits(£9000 and £5000), I then applied for a barclaycard, and they accepted me and gave me a £5000 limit. Sounds crazy.

Over what period was this?
(Edit: Seems to have been about a month)

Not surprised Barclaycard offered you a £5k limit on a card, especially as you are seemingly good for almost £20k credit now.
Even more so as you've been given all these lines of credit in the last few weeks

Credit crunch?
What credit crunch?
:cool:

Edit 2: Look like the OP bought a new car last month too
£20k over 4 years
https://forums.moneysavingexpert.com/discussion/5097866

Edit 3:
Looks like the OP also had a Virgin credit card last year with a limit of over £6k
https://forums.moneysavingexpert.com/discussion/4653715

Being good for all this credit, I wonder if this is a clone account for Martin?

andys15

Aqua, I initially applied for the barclaycard in the middle of October, I then applied for all 3 cards within a hour at the start of the month.

[Deleted User]

andys15 wrote: »

Zx81. My card has arrived and I have just activated it. I don't think they can cancel it now. Can they?

They can. Probably unlikely, but they have been doing this a lot over the last year or so. They clearly make some final check after sending out the cards, for some bizarre reason.

HatAndScarf

stator wrote: »

I hope you're going to be sensible with those cards, that's a lot of credit

I think we can probably work out the answer to that one from this later remark

andys15 wrote: »

... I then applied for all 3 cards within a hour at the start of the month.

HatAndScarf

Aquamania wrote: »

I wonder if this is a clone account for Martin?

No, probably just somone wandering into the realms of fantasy