Hey all, thought I would let you know my experience with Barclay (albeit brief). I've been longing for a travel card which gives miles instead of the normal cash rewards card I have (Cap One Quicksilver $3K). After going to Barclay's Pre-Qualify site, I was told I was approved for the Barclay Rewards card, however, I really wanted the Arrival card, so I pressed my luck and applied.
After about 15 seconds of waiting, I got the notice stating Barclay needed more time and I would find out a decision in 10 days. I immediately called the Recon line only to find out they were closed for the day (I live in California, Barclay's Credit line is 8-5 EST). I needed to work on some projects anyway, so a few cups of coffee and a few hours later, I called the Recon line. I spoke with a very friendly lady who asked some basic information (employer, income, length at job) and then looked at my credit report they had pulled. I made sure to verify they were not going to do a 2nd hard pull. For what it is worth, it is my understanding they pull TU.
After being on hold for a few minutes, the representative came back and said my account history, although new (2.4 years), was looking good, and it was obvious I was making a conscientious effort to keep all my accounts in good standing. I was hoping for at least a $3K limit to match my Cap One Quicksilver, however, she gave me a $1500 limit. That said, I'm not disappointed because now I have a card with Miles rewards and at least it's not a crappy limit like my Discover card ($800).
Credit Karma lists my score as: 655, however, when checking rates on LendingClub the other day, they did a soft pull and showed my TU score as 679. For the record, I wasn't trying to get a loan through LendingClub, however it is a great free way to do a soft pull and find out your TU score. I had 4 IQs, perfect payment, 2.4 Mos Age of Credit History, 11 total accounts, and 3 derogatory marks (from my younger days).
I just wanted to share with people if you initially get denied, or are told you have to wait for a decision, call their recon line. Be friendly. Be courteous. Try and joke with them and make them smile. The key is to try and be the best call they have had that day. It worked for me! Strange thing about that - their recording says their office hours are 8-5 EST, however when I called (5am PST/8am EST), my rep told me it was the end of her shift and she had been at work all night, so I'm wondering if the reps do multiple jobs (Customer Service/Credit Analyst?).