Barclaycard Reconsideration Line
Barclays has launched some pretty amazing business card offers over the last week. I know many people have been applying for one of the increased offers. And, I know almost as many have had their application go pending. So what do you do? Should you call the Barclaycard reconsideration line? I’ll give you the recon numbers for business and personal cards plus give you my standard dialogue for these calls. I’ll also show you how to check the status of your application online.
Barclay Card Application Rules
Before we get into reconsideration calls, and why you may not have been auto approved during your application, we should discuss Barclaycard’s application rules. Every bank has their own, unique set of rules when it comes to credit card applications. They can be internal rules they don’t publicize or known rules the reps will quote. Here are Barclaycard’s application rules:
Barclays Quick Hits On the Rules
- Sensitive to recent inquiries.
- Only 1 new card every 6 months.
- 6/24 rule for Arrival Plus applications. (When it is available)
- You can receive the welcome offer on the same card more than once.
Maximum Number of Cards
Barclays does not specify a maximum number of cards you can have. They operate by a maximum amount ($) of credit they will extend to you, based on credit profile. However, you cannot have more than 1 of the same card at the same time.
Shifting Credit Limits
Requesting to shift credit from other cards is possible if you were denied during an application. However, denials with Barclaycard are often based on other factors, so this might not help if your denial wasn’t strictly related to “maximum credit extended.”
Timing Of Applications
Barclays will only approve you for 1 card every 6 months. Other factors are more fluid, such as recommendations to use your other Barclays cards before a new application, but this rule seems fixed. The only card with a written rule on application numbers, though, is the Arrival Plus. If you’ve opened more than 6 cards in the past 24 months, you’re unlikely to be approved for the Arrival Plus card (currently unavailable).
Welcome Offer Eligibility
it is possible to receive points from a welcome offer on the same card twice. If you’ve had a card from Barclays in the past, you can’t receive a bonus from a welcome offer again within 24 months. Additionally, you should close that card and wait 6 months before applying for it again.
You can find every bank’s specific rules in our guide on application rules by bank.
Why Wasn’t Your Application Auto Approved?
There are many reasons that a credit card application could go to pending status rather than being auto approved. On the bright side, pending is better than an outright denial. Here are some of the reasons your application may have received that pending message:
- Barclays has already extended you enough credit
- They need to verify your personal information
- They need to verify your business information
- You have had a lot of recent applications they want to review
- Your credit score is not in their ideal range
- They have further questions about your credit report
These would be very similar reasons as to why you may get a pending message on a personal card application too.
Barclaycard Reconsideration Line Phone Numbers & What To Expect
Know that we know who is eligible for a new Barclaycard account, and why you may not have been auto approved, what do you do now? You can wait for them to make a decision on their own or you can pick up the phone and try to get out in front of things.
Barclaycard Reconsideration Line Phone Numbers
Here are the phone numbers for business or personal Barclays applications:
- Reconsideration Number: 866-408-4064 or 866-710-2688
- The personal representatives are available from 8am – Midnight 7 days a week.
- Business representatives are available 8AM-8PM ET
This is what I usually call and say:
I recently applied for XXXX credit card and saw that my application was pending further review. I wanted to see if there was any more information you needed from me or if we needed to move around credit from another card (assuming you already have one with the bank).
That will get the ball rolling. The recon rep will usually pull up the application and then ask you some questions about your credit report or your business. Sometimes it is as simple as them saying they needed to verify it was you who applied for the card. Offering to move credit is a feather in your cap for sure. A lot of denials are because a bank doesn’t want to offer you more credit. If you proactively offer to move some from another card from that same bank then they do not need to offer you any new credit. This is my most successful reconsideration call play.
Check Your Barclaycard Application Status
If you want to just check the status of your Barclaycard application you can do that online:
You can also try calling 888-232-0780 then dial 3 if that works better for you.
Barclaycard Reconsideration Line: Final Thoughts
Hopefully I have given you everything thing you need to turn that Barclaycard pending application into an approval. If nothing else at least you now know how to check the status of your application before you get the email of approval or the letter of denial in the mail. I think it is best to try to get out in front of things with Barclaycard. Just know that they are one of the tougher approvals out there. So don’t feel bad if it doesn’t work out for you this time around.