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When you close a Barclaycard credit card, “you can never have one again”
Comments
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You get some oddities with card providers, but it ranges from 6-24 months before they will allow you to apply again, depending on the provider.
Some banks seem to keep a permanent record, where as others are more flexible. For instance when I was 18-19 I had a Amex card and a Halifax credit card, I defaulted on both (although cleared all in full within a few months). Now in my mid thirties Halifax happily gave me a mortgage and indeed could not care less about stuff 15+ years ago. It appears that Amex will however never give me a card again due to that historic default (I asked on the phone after being declined), despite at the point of application being an ideal candidate, six figure salary, large monthly surplus etc.0 -
zagfles said:Well I've got 2 Barclaycards so it's rubbish that you can't successfully apply for a Barclaycard if you've already got one!
Closing an account and having no account with them is of course a different scenario to your own, where you had one card and then applied for another.0 -
I only know about the 6 month before reapplying criteria internally. I cannot find anywhere that stipulates the 6 month waiting period on the Barclaycard website. The only thing I can find was an article that discussed the issue by a third party 5 years ago.I hadn’t realised you actually did a full application for a Barclaycard that got declined. This is likely to mean you now won’t be able to reapply again for a further 3 months;https://www.barclaycard.co.uk/personal/credit-cards/application-rejected
Did you not do the pre application check?0 -
OP
When Barclays closed one of my cards after dmp, i recently got a new Forward card from them.Replenished CRA Reports.2020 Nissan Leaf 128-149 miles top charge. Savings depleted. VM Stream tv M250 Volted to M350 then M500 since returned to 1gb1
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