I have been rejected for many things, but this one stings the most. Many sleepless nights have gone by because of this one. I am heartbroken. (Just kidding)
My streak of batting 1.000 is now over – I have 13 active credit cards, some not very rewarding and sit around collecting dust, and cannot compare to some folks who do plenty of App-O-Rama’s, but I was declined for too many inquiries and new credit from Barclay’s Bank for a Upromise MasterCard.
A few weeks ago I had applied and was approved for:
- Lufthansa Miles And More 50,000 miles offer
- Bank of America Alaska Airlines 50,000 miles offer
- Bank of America Alaska Airlines business 25,000 miles offer
- Chase British Airways 100,000 miles offer
My goal was to do what I had done with Chase, close out one account and change the product where I closed my regular Chase Sapphire and converted it into a Chase Freedom MasterCard. I was hoping to close my Barclay’s US Airways card and convert into the Upromise. Every agent I spoke with all said I had to apply for the card, be approved, and then could move the credit limit over.
When I applied for the Upromise card, my application was under review. I called the reconsideration line from Million Miles Secret post and spoke with an agent who basically explained to me I had too much new credit and inquiries. He said I was doing a great job using my card and on time payments, but that was not what I wanted to hear. As a last-ditch effort, I said something along the lines of “One of the agents I previously talked to said I could apply for the card and then transfer the credit line over and I would be approved.” That didn’t work either. For the record, that line I used in the conversation no agent actually said that to me. The only truth the customer service agents said were to apply for the card.
In the coming weeks, I will describe why the Upromise card is really be worth it, mostly in theory as I don’t have first hand experience of it. The Upromise will definitely be on the top of my sign up list. If the card really was crucial, why didn’t I apply for it first? The 50,000 mile offer bonus for the Miles and More card was too attractive to pass.
Interested to see what you like about the UPromise card. I think I have an idea but not sure it’s any better than what’s out there. Looking forward to it!
Thanks it’s coming soon! Gathering my thoughts together
We’re on the same page. I just applied for the UPromise card and it was my first ever rejection… similar story on reconsideration line as well.
I wouldn’t have minded if it was a different card, but this one has me really disappointed
HUCA HUCA HUCA
HUCA generally does not seem to work with Barclaycard.
They really are hung up on too many queries. I’ve been turned down 3 times for Arrival and only by Barclaycard even with long periods inbetween. That I have so many other cards and all are under 2 yrs old is an issue for them.
Wow that’s a long time in between. I hope I get approved for the Upromise.