Barclay Card Reward Card - decline/acceptance

Dawn1966

Last week I applied for the above card and was declined and not very happy about it as I have a good credit rating, but I believe it was due to the fact that I had over 50% owing on another CC - I'm only paying the monthly minimum due to it being interest free until May next year so.
Yesterday, after getting Martin's email about balance transfer cards, I used the eligibility link, and was told I was 100% certain to be accepted for the Barclay's rewards card - the same one I was declined last week.
I completed the application again to be told it was accepted with a £5k limit!
How very strange is that and now I'm wondering if the declined application goes on my credit history and damages it, can I question it when I was successful in applying this week?
Thanks in advance.

Largs

I'm never refused credit whenever I apply for cards and other credit but applied for Barclaycard (the Amazon one) which was referred. I thought nothing of it as it's a flat I live in and sometimes it does that as it can't trace me automatically using the flat position. A week later, declined and told to so write to Equifax and Experian. There's nothing to see on my files anyway as I check all 3 regularly.  Most odd. 

Dawn1966

Largs said:

There's nothing to see on my files anyway as I check all 3 regularly.  Most odd. 

That's very odd, there's nothing showing on mine as yet but probably too early, I will keep an eye though. Thanks.

Nasqueron

Dawn1966 said:

Last week I applied for the above card and was declined and not very happy about it as I have a good credit rating, but I believe it was due to the fact that I had over 50% owing on another CC - I'm only paying the monthly minimum due to it being interest free until May next year so.
Yesterday, after getting Martin's email about balance transfer cards, I used the eligibility link, and was told I was 100% certain to be accepted for the Barclay's rewards card - the same one I was declined last week.
I completed the application again to be told it was accepted with a £5k limit!
How very strange is that and now I'm wondering if the declined application goes on my credit history and damages it, can I question it when I was successful in applying this week?
Thanks in advance.

You don't have any sort of credit rating, the fake numbers you see online are never used by lenders. The banks apply their own criteria for lending, don't place any emotion on banking decisions, they're done by computer - 2 hard searches for the same card with one positive and one negative is strange but there you go, systems have weird outcomes. The hard search will appear in a couple of days no doubt unless the first one messed up somewhere. Ensure you don't pay any of the CRAs for their nonsense "service"

Dawn1966

Just checked my credit file, both applications are registered as soft searches.