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I’m completely new to both Barclaycard and Banking and am trying to get the Avios offer publicised here.
I applied to the Barclaycard ~8 working days or so ago and was told they needed to do more checks but would get back to me within 5 days. Has this happened to anyone before? What’s the best way to contact these people to understand what’s going on? I wasn’t given a tracking ID or anything so cannot check.
Thanks all!
This is what happened to me. I got a letter about 2 weeks later telling me I’d been declined (no reason given). I have written them to request more details and to reconsider my application manually (under the Data Protection Act).
Same boat, I applied on the 3rd Oct, and have heard nothing.
This is what happened to me. I got a letter about 2 weeks later telling me I’d been declined (no reason given). I have written them to request more details and to reconsider my application manually (under the Data Protection Act).
I just got the rejection letter which is a bit astounding to me. In the document they state a list of reasons for this ‘which could include’ about 8 bullet points of things that don’t apply to me, as I have an almost perfect credit score (998), multiple cards on low credit utilisation, and comfortably above salary requirements.
Would you mind sharing exactly how you requested more details and a manual reconsideration under Data Protection Act? Did you send them an e-mail and if so to which address? I don’t even really care about the card any more (the horror stories about this bank are numerous) but don’t want a permanent stain on my credit score…
Thanks.
This is what happened to me. I got a letter about 2 weeks later telling me I’d been declined (no reason given). I have written them to request more details and to reconsider my application manually (under the Data Protection Act).
I just got the rejection letter which is a bit astounding to me. In the document they state a list of reasons for this ‘which could include’ about 8 bullet points of things that don’t apply to me, as I have an almost perfect credit score (998), multiple cards on low credit utilisation, and comfortably above salary requirements.
Would you mind sharing exactly how you requested more details and a manual reconsideration under Data Protection Act? Did you send them an e-mail and if so to which address? I don’t even really care about the card any more (the horror stories about this bank are numerous) but don’t want a permanent stain on my credit score…
Thanks.
I’ve pinpointed the issue. Experian and Equifax differ massively in their scores, due to Equifax having missing/incorrect information of my profile. Will try to get Equifax updated and then call Barclaycard asking them to reconsider…
From reading other people’s post, I get the feeling they don’t like anyone with lots of unused high limit credit cards.
I’ve got a lot of high limit credit cards unutilised as I pay them off monthly and they accepted me. However, two weeks on I STILL have their pointless default £200 credit limit. I’ve submitted payslip/bank statements a million times and they’ve either told me they aren’t the most recent (when they are) or that I’d only submitted one payslip (I didn’t). I even drove into my branch on the 11th and they submitted them directly and yet the IV team who verify them only received them yesterday. I’m now being promised a response within 48 hours. If it happens I’ll eat my shoes. I’m LIVID with them. Their customer service is diabolical. I’ve been a premier customer 19 months and therefore they know full well what I earn so why this pantomime.
Therefore it seems to make sense they are asking for your payslips (albeit not a mechanism to validate it properly). To ensure the salary you stated is true and enough to cover all your existing debts and unused credit.
Eh? What existing debts? They should know the salary I stated is true, it’s paid into a Barclays Premier account that requires an income in excess of 75k. It’s not that I mind them asking for my payslips (though it’s ridiculous). I mind them taking 2.5 weeks to validate them while I am paying for a card that is useless to me. Telling me I only submitted one when I submitted both and so on. They’re slow and incompetent.
This is what happened to me. I got a letter about 2 weeks later telling me I’d been declined (no reason given). I have written them to request more details and to reconsider my application manually (under the Data Protection Act).
I just got the rejection letter which is a bit astounding to me. In the document they state a list of reasons for this ‘which could include’ about 8 bullet points of things that don’t apply to me, as I have an almost perfect credit score (998), multiple cards on low credit utilisation, and comfortably above salary requirements.
Would you mind sharing exactly how you requested more details and a manual reconsideration under Data Protection Act? Did you send them an e-mail and if so to which address? I don’t even really care about the card any more (the horror stories about this bank are numerous) but don’t want a permanent stain on my credit score…
Thanks.
I’ve written to Barclaycard, 51 Saffron Road, Leicester, LE18 4US. There is a freepost (FREEPOST PLUS RTKR-AUXX-ZJUR) but I sent it signed for so I could be sure they received it.
I’ve asked for details of:
– why I was declined after a ‘soft accept’ (my letter didn’t include a reason)
– what ID, income, fraud and affordability checks were carried out using my data (under GDPR ‘right of access’, Article 15 of Data Protection Act 2018)
– a manual review of my decision (under GDPR ‘right not be subject to solely automated decision’, Article 22 of Data Protection Act 2018)They likely won’t give me all of these details. E.g. if they suspect me of fraud, it would be ‘tipping off’ to tell me that. But hopefully should shed some light on why the decline.
I’m not expecting them to change the decision but I at least want to understand what changed between the soft check and the hard check to change their decision, since they didn’t ask me for supplementary documents.
@urbt there are for obvious reasons significant exemptions around credit decisions so they will only tell you what they feel like telling you. I don’t think the ‘articles’ of DPA2018 to which you refer are the right ones.
I applied yesterday via the app and got as far as loading ID when the system then told me it was unable to verify my ID and/or address – and to phone for a branch appointment to verify same.
The Barclays in my town was closed 3 years ago – I asked for the nearest town and was told the first appointment was 5th December! First appointment available was mid-Nov 2 towns away.
Will try a walk-in when I’m next passing-by – but not optimistic
There are, of course, carveouts (particularly for fraud), but the basic principle is that you have a right to have the decision explained and to request a manual review (see the ICO’s commentary).
That manual review will typically just consist of them following the same flowchart the machine followed, so is unlikely to result in the decision changing. But there’s still a chance if there was an error in how logic was implemented.
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