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£200 limit and gave it up

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  • can

    Player 2 is finally approved for this card — but with a £200 limit.
    She uploaded the tax forms, yet had some problems. Uploaded again.
    It seems that she doesn’t want to waste more time or take it to the branch.
    Question is: if she doesn’t bother with it, would they reconsider her limit later on, or would she stuck with £200 ad infinitum.
    She never had to submit tax forms for Amex or virgin and rightfully is annoyed.

    mark2

    My wife has had a Hilton Barclaycard for many years but has not used it much now that (my) Barclaycard Avios is a Mastercard.
    Her limit has just been reduced from £4500 to £200 rendering the card useless. Why not just cancel it?

    BJ

    @can, I’m guessing the small print states she has to submit the required documents within 45 days or accounts will be closed. My partner had same, online submission repeatedly failed to work and he refused to waste time with fax or branch visits. In the end he accepted a total I think of £210 compensation plus the 5k HFP bonus which posted to his BA account, and closed the card.

    Colin MacKinnon

    My partner had the same issues. Never used the card once and got charged the £20 fee twice before it was cancelled by BC. They refunded one £20 but not the other! No compo or points!

    Still, mine has been profitable.

    Ironically, we are unmarried and are equal shareholders in our company, equal partners in our business partnership and equal owners of our house. And so we supplied the exact same paperwork, from the same accountants and the same tax authorities!

    Now, was it because she is a woman? Can’t be, that sort of financial discrimination is so old school.

    Maybe because she has a foreign name and nationality, rather than a classic Scots one? Anti-Johnnie Foreigner, that’s pretty old school too!

    Barclays do seem to be a bit too “traditional” for my taste – had thought about their premier current account, but not now.

    Rob
    HfP Staff

    This is where Barclays go wrong.

    Obviously it is very easy to lie about self employment income when you apply. However, if that person then submits paperwork, they should automatically be assumed innocent until proven guilty. After all, the very act of submitting the paperwork means that you are 99.99% likely to be genuine.

    Instead, Barclays appears to start from the position that you also faked your documentation and that the job of the staff who look at it is to prove it is fake.

    BJ

    @ Colin, your partners experience has many parallels with my partners. We are married but otherwise similar circumstances. Although my partner is a dual citizen both were stated in the application. However, I would hope/expect it would be nothing short of extraordinary were a company like Barclays to behave in this way given current equality legislation. I put his problens down to giving details for a joint current account instead of using his sole account, nothing more. I think his £210 compensation included refund of 2 or 3 monthly fees. He asked for the full 25k avios (or equivalent cost to purchase) as compensation but they refused saying he made no effort to send fax or go into a branch. I told him Ombudsman would likely see that as reasonable request and side with Barclays so he just let it go at the £210 and tge 5k avios that had posted.

    BJ

    @Rob, I am very surprised you would say this!You’re surely not also suggesting that Barlays thinks everyone they gave a £200 limit to submitted a fake/inaccurate application? If they really thought this, then why nit simply decline the applications? And if they did nit think it, why then start from the fake documents direction? It seems almost the opposite of amex who give me the impression they start from giving people the benefit of the doubt with frequent comments if homemakers, students and retirees all with little credit history being given something to get them started.

    can

    We did submit the docs. The auto-email says submit again.
    Is it because the file is corrupt? Is it because they don’t like her taxes? I don’t know.
    We uploaded them thrice already.

    @can, I’m guessing the small print states she has to submit the required documents within 45 days or accounts will be closed. My partner had same, online submission repeatedly failed to work and he refused to waste time with fax or branch visits. In the end he accepted a total I think of £210 compensation plus the 5k HFP bonus which posted to his BA account, and closed the card.

    Angelamc11

    This was also the case for me. It took 5 attempts to upload the documents. Finally after they went through they said £200 limit stood despite healthy income, and wouldn’t say why. I had the 50k bonus so went for it anyway using GBIT. Made the spend in 6 painful weeks. Now deciding whether to carry on for the voucher or cancel. I have a long haul trip I want to plan for 3 people, so might go for it, with GBIT it’s annoying but possible. Either way I will be glad to get rid of this card.

    JDB

    Barclays and HSBC manage credit applications on a totally different basis to Amex who seem to welcome most people with generous limits based on different proprietary models although there does seem to be anecdotal evidence of them tightening a little. The clearing banks are naturally more cautious and carry vastly more credit data that guide decisions. One thing that seems fairly certain is that in this environment diving in and out of cards may get trickier.

    Colin MacKinnon

    @BJ – it would indeed be extraordinary.

    But then I am only recently beginning to understand the modern contentions of “embedded” prejudice (racism, sexism etc)- where processes, automatic and manual, reflect historic practices and there’s little interest in updating them.

    Makes it hard for “old” organisation relying on legacy systems. What, I suppose, we used to call Garbage In / Garbage Out in the old days!

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