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I applied for the Barclay US Airways Mastercard a few weeks ago and got a pending notice. This is not unexpected, and is a fairly common occurrence when doing a credit card churn.
Barclay is known as being a fairly “strict” bank as far as credit card approvals go. Different servicing banks have different characteristics. Barclays is a bit tougher to get approval for new cards if you have been doing a lot of churning, to get an approval with a US Bank card, you often have to freeze your IDA and ARS credit reports, and so on.
There are differing schools of thoughts on whether you should call right away when you get a pending notice, or whether you should wait and give it a few days. I’ve done it a few different ways – called right away as well as waiting, and had good success either way. Fortunately Barclay reconsideration has both a phone number and a website to check on application status.
Barclay reconsideration website to check application status
Here is the Barclay reconsideration website – you have to put in your last name, last 4 digits of your SSN, Zip code and email address that you put in on your application
That will take you to a page where you can check your status (Approved, Pending or Declined).
Barclay reconsideration phone number
In this case though, I was hoping for a quicker turnaround on an approval, because I was wanting to use the lounge day pass that comes with the card at CLT when I am there, straight off a red-eye, for the Family Travel for Real Life conference next month.
So I called into the Barclay reconsideration line, which is 866-408-4064. They are open Monday through Friday at regular business hours (I made the mistake of calling on Saturday once), and you typically get a credit analyst on the line right away (no phone tree)
When I called, I told her I was looking for information on my recent US Airways card application. She took my information and then let me know that it had been declined (which I knew already, having checked on the Barclay reconsideration website above!). She then offered to take down some additional financial information to try and get me to an approval. She took down employment information and income and was obviously looking at a copy of my credit report (asking about mortgages, etc.)
She thanked me for using my credit wisely and put me on hold. When she came back, she again said that I could not be offered the card because of too many recent accounts opened, both at Barclays and other banks. This is a known “feature” of Barclay – that they are stricter on those of us that choose to “churn” credit cards.
Did I give up? Did I try again? Well… that’s a story for another day 🙂 In the meantime, I hope that the Barclay reconsideration phone number and website are useful to you if you need to check on the status of a Barclay Arrival or US Airways Mastercard (or other) application