Barclay’s £175 Switch Offer July 2024

dealyboy

@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.

MisterMotivated

MisterMotivated said:

One of the rare few banks I'm still eligible for a switch offer from (though I've held accounts with them previously).  However, like the last time I applied so I could open a Rainy Day Saver, their useless system apparently couldn't verify my ID. At the time I went into the local branch only to be told the certified ID checker person wasn't in that day and I'd have to make an appointment.  I made an appointment but, for some reason, my account was opened anyway before the appointment was due.  Unfortunately, that branch has now closed.  The nearest now is a 90 minute round trip by car on a good day, and I can't have my ID checked in the local hub that's a 2 minute walk from my office.  Also, I don't know how strictly they'll enforce the "Use the app to open an account" part, so I don't want to waste my time and money going to a branch only to be refused the bonus on a technicality.

Like last time, I also tried to apply via the website

Like last time, I got a message at the end saying they couldn't complete my application

Like last time, I received a text saying my new card is now active

moneytorques

MisterMotivated said:

MisterMotivated said:

One of the rare few banks I'm still eligible for a switch offer from (though I've held accounts with them previously).  However, like the last time I applied so I could open a Rainy Day Saver, their useless system apparently couldn't verify my ID. At the time I went into the local branch only to be told the certified ID checker person wasn't in that day and I'd have to make an appointment.  I made an appointment but, for some reason, my account was opened anyway before the appointment was due.  Unfortunately, that branch has now closed.  The nearest now is a 90 minute round trip by car on a good day, and I can't have my ID checked in the local hub that's a 2 minute walk from my office.  Also, I don't know how strictly they'll enforce the "Use the app to open an account" part, so I don't want to waste my time and money going to a branch only to be refused the bonus on a technicality.

Like last time, I also tried to apply via the website

Like last time, I got a message at the end saying they couldn't complete my application

Like last time, I received a text saying my new card is now active

So did you receive a card?
I've not had any notifications on a credit check from Barclays.

HillStreetBlues

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.

IAMIAM

Who do they use for Credit Search?

juw8e7

Application process sounds a bit 'around the houses'. Can anyone testify?

MisterMotivated

moneytorques said:

MisterMotivated said:

MisterMotivated said:

One of the rare few banks I'm still eligible for a switch offer from (though I've held accounts with them previously).  However, like the last time I applied so I could open a Rainy Day Saver, their useless system apparently couldn't verify my ID. At the time I went into the local branch only to be told the certified ID checker person wasn't in that day and I'd have to make an appointment.  I made an appointment but, for some reason, my account was opened anyway before the appointment was due.  Unfortunately, that branch has now closed.  The nearest now is a 90 minute round trip by car on a good day, and I can't have my ID checked in the local hub that's a 2 minute walk from my office.  Also, I don't know how strictly they'll enforce the "Use the app to open an account" part, so I don't want to waste my time and money going to a branch only to be refused the bonus on a technicality.

Like last time, I also tried to apply via the website

Like last time, I got a message at the end saying they couldn't complete my application

Like last time, I received a text saying my new card is now active

So did you receive a card?
I've not had any notifications on a credit check from Barclays.

Not yet, but that text was only received at lunchtime yesterday.  Hopefully it'll be in the post soon if not already.  The text did mention I could find the card details in the app but that's rather unhelpful since I can't log in until I have the new card details lol

SickGroove

If my current bank switch completes without the two direct debits from the switched account also going over (I was a little premature requesting the switch before the two direct debits were showing), 
can I just set up another switch from a chase burner account with two direct debits (obviously once they're showing!)?

Or is only the first bank switch eligible for the cashback?

planetdek2024

What is meant by Active direct debits? Does a direct debit for example to Paypal for ebay fees that is rarely drawn count? Thanks

moneytorques

SickGroove said:

If my current bank switch completes without the two direct debits from the switched account also going over (I was a little premature requesting the switch before the two direct debits were showing), 
can I just set up another switch from a chase burner account with two direct debits (obviously once they're showing!)?

Or is only the first bank switch eligible for the cashback?

Fairly certain you can't use the CASS for another account switch into an already open account having used the CASS in the first place