Barclay’s Multiple of the Same Product
A couple of months ago I wrote an article talking about Barclay’s credit card application best practices. In the article I shared my experiences with Barclay’s and the experiences of others. In the comments many people also chimed in. Overall it provided a somewhat decent picture of what most people should consider when trying to apply for Barclay’s cards.
In that article I shared how both my wife and I both were able to get 2 Arrival Plus cards. At the time I shared the key was to get an instant approval. For some reason Barclay’s computers weren’t able to see if someone already had a certain product, so if you received an instant approval all was good. On the other hand if it went to a human for review, it would be denied automatically since Barclay’s official policy is not to allow multiples of the same card.
Unfortunately Barclay’s seems to have upgraded their systems. I received an email from a reader who was applying for a second Arrival Plus card. This person was auto denied, but the interesting part came when he received the denial letter. The denial letter which is shown above, says:
Our records show that you’ve already established the maximum allowable number of this product with us. Please let us know immediately if you did not apply for or receive this product previously.
A credit bureau was not used in making this determination.
Based on this letter and the fact that they didn’t do a credit pull, we can now safely assume that their computers are able to determine when you already have a certain product and auto deny you. Considering this new information, it probably isn’t the best idea to apply for a second version of the same card anymore. Of course, there are always loopholes, so who knows and it would seem you aren’t risking a credit pull.
Unlike Chase and Citi who have specific language about when you can receive a bonus again, Barclay’s only says “This offer is available to new Cardmembers only.” This would seem to indicate that you should still be able to get the bonus again if you close out your current version of that product. Of course the language is somewhat ambiguous, so there are no guarantees.
At least one reader was auto denied without a credit pull for applying for a second version of the same card. It looks like Barclay’s may have finally fixed their computers, which means that going forward it will be nearly impossible to get a bonus a second time when you still have your first card open.