Barclay’s £175 Switch Offer July 2024

dealyboy

@HillStreetBlues said:

dealyboy said:

If it's any consolation, I too have been declined  .

Will be interested how you get on, as I've open 3 in the last 3 months total 6 in 6 months.

Hi HSB ... I had the appointment this morning but unfortunately they were not able to 'resume' the application because of my open and active complaint, about which a complaints manager/handler will be contacting me shortly.

I've learnt quite a lot about Barclays over the last week.

juw8e7

MisterMotivated said:

juw8e7 said:

I assume branch is the only option now and the app wont allow you to re-apply? Anyone tried succesfully?

You can re-apply by removing and reinstalling the app, but will likely end with the same result.  I found applying via the website works better.  Each time I've applied that way, they've asked me questions about my credit record, which aren't always easy to answer as many on here will appreciate (e.g. asked me what bank I'd applied for a credit card with in the past 3 months, but I'd actually applied for 2 on the list).  However, as mentioned in an earlier post, I get a message saying they can't complete my application online and will review it within 5 working days, followed by a text a day or 2 later saying my new card is now active.

How? You can't! Are you sure you have the right bank?

Nomlet1970

Going around in circles!! Everything says you must open an account in the app but the app doesn't have anywhere to select 'Open An Account'.  The app won't let me register without an account 😑 and won't let me open an account.
Total waste of time

MisterMotivated

juw8e7 said:

MisterMotivated said:

juw8e7 said:

I assume branch is the only option now and the app wont allow you to re-apply? Anyone tried succesfully?

You can re-apply by removing and reinstalling the app, but will likely end with the same result.  I found applying via the website works better.  Each time I've applied that way, they've asked me questions about my credit record, which aren't always easy to answer as many on here will appreciate (e.g. asked me what bank I'd applied for a credit card with in the past 3 months, but I'd actually applied for 2 on the list).  However, as mentioned in an earlier post, I get a message saying they can't complete my application online and will review it within 5 working days, followed by a text a day or 2 later saying my new card is now active.

How? You can't! Are you sure you have the right bank?

Unless I've missed that we're now talking about a different bank on the Barclays thread then, yes, I have the right bank..

Do you mean how can you reinstall the app?  Or how can you apply online?

WillPS

Nomlet1970 said:

Going around in circles!! Everything says you must open an account in the app but the app doesn't have anywhere to select 'Open An Account'.  The app won't let me register without an account 😑 and won't let me open an account.
Total waste of time

It's only available during daytime/working hours (not sure which is closer to the truth - but certainly not overnight).

WillPS

bmbm365 said:

i used to bank with barclays, switched out. Now i cant open a bank account with them! theyve debanked me and dont provide a reason. The app just comes to a standstill, asks me to get in touch. I get in touch, book an appointment. They ask the same questions as the app, then tell me sorry we cant open an account with you and have no reason, sorry! What the hell is on my file that is blocking me getting an account, i cant see anything wrong on my credit reports, and i have numerous current accounts with no issues! I just need to know why they refuse me! They must have something that isnt right and I will never know

This isn't what 'being debanked' is. You ditched them, not the other way around.

Nobody is entitled to have their application accepted.

blueste

I guess I'm luckier than most in that I have actually been able to open an account! But I have had very little in way of communication from them since I opened the account last Friday. Certainly not had anything that says when the debit card will be sent/received. Can anyone confirm how long after applying they received it? I did receive these texts this morning which are as clear as mud!

GreenScepter

Not sure if this was mentioned already but there's a up to 4 day delay in the app until you can add new payees. So if you were planning on transferring the £800 in and out soon after opening the account, be advised the money may be stuck in the account for days. No idea if it's 4 regular days or 4 working days, I'm currently on regular day 4 and am still waiting.

I personally always test transfers to a new account with a small amount in and then back out to make sure everything is working fine, and I'm glad I did. If I had that much money stuck in an account due to a delay I had no prior knowledge about, I'd be screwed!

bmbm365

WillPS said:

bmbm365 said:

i used to bank with barclays, switched out. Now i cant open a bank account with them! theyve debanked me and dont provide a reason. The app just comes to a standstill, asks me to get in touch. I get in touch, book an appointment. They ask the same questions as the app, then tell me sorry we cant open an account with you and have no reason, sorry! What the hell is on my file that is blocking me getting an account, i cant see anything wrong on my credit reports, and i have numerous current accounts with no issues! I just need to know why they refuse me! They must have something that isnt right and I will never know

This isn't what 'being debanked' is. You ditched them, not the other way around.

Nobody is entitled to have their application accepted.

Well if they said application rejected because i had an account with them previously that fair enough. But in actual fact the branch staff said having had a bank account before and leaving isnt an issue. They just cant open me a new account and cant give me a reason. They cant even open a standard savings account for me, or ISA or anything. Ive basically been blacklisted from all Barclays products. 

bmbm365

moneytorques said:

averageguy11 said:

dealyboy said:

@moneytorques said:

Nasqueron said:

moneytorques said:

I've just been rejected an Account with Barclays they can only offer me a Basic one,  apparently my credit score isn't strong enough at 999 Experian. How bizarre.

Nobody sees that score except you, it had no part in the decision. If anything 999 can be because you have no credit history so no-one knows what risk you are

Why we're offering you this account

Based on your credit information, you're not eligible for our other current accounts right now. This could be for a number of reasons:

• Your credit history isn't strong enough?

• You've defaulted on a loan or credit card NO

• You've had a County Court Judgment in your name NO

• You've been declared bankrupt NO

• You're on a debt management plan NO

100% not the case, I've got loads of history not perfect but am well in my 20% of active credit usage etc no missed payments etc, mortgage up to date.

First time I've ever been rejected for a Current account so a little bamboozled.

I guess I'll never know.

If it's any consolation, I too have been declined  .

I too have an excellent report from MSE Credit Club / TransUnion and Equifax and no financial skeletons, this is is also the first time I've been rejected.

I too think this is a commercial decision, however I have been advised it's not my income being too low, but I have opened three accounts in the last four months.

You can appeal the decision which means you can book an appointment in branch whereupon they will 'resume' the application to get more information from a code. It may then be possible to provide more information, in my case the reason for opening several current accounts is for their regular savers. I have booked my appointment for Monday.

Likewise been declined ..first time…no issues with my credit record…basic account only which doesn’t qualify 🤨

Just visited the branch at 100 Fenchurch St, was told the computer says no and no appeals process, goodbye.

Yes terrible from Barclays. Ive not had these issues with any other bank