【道听途说】巴克莱(Barclaycard)推出新政策：开卡24个月之内关卡后不能重新申请同一产品

近日Reddit网友报告，巴克莱（Barclaycard）银行可能推出了新的申卡政策。以往巴克莱卡是可以churn的。所谓可以churn，就是可以在关卡以后马上再申请同一个产品的信用卡。不过现在系统可能已经hard-coded，不让过了。理论上人工可能还会批准，但是希望可能也比较渺茫。

EDIT: /u/doctorofcredit has a counter data point, at least for automated approvals. (i.e. Don’t take what I’ve written here as absolute. Situation is developing.)

I just had my third chat with the Barclay recon dept today, because I was denied for a JetBlue Business card that I closed three months ago. I told them that it was a mistake to have closed it (true), but customer service said it was too late to re-open it (true); and that I intended to put $50,000 in spend on it in Q1 2018 (true), and asked if she would mind having a look at the application again

我今天跟第三个巴克莱银行客服聊天，我申请的JetbBlue Business信用卡（网上自动）被拒了。这张卡三个月之前我刚关了。我告诉他们是我关错了（我没有说谎），但是客服说现在重开也太晚了（这是真的）。我告诉她我2018季度要消费$50,000（我也没有说谎），问她是不是可以帮我看看我的信用卡在线申请表格。

The rep told told me she wished she could, but there is a new systemwide rule in place that prevents approval for the same card within 24 months of having opened it, so there was nothing she could do. This was consistent with what two different reps told me earlier this morning (though they didn’t specifically say “new rule” like this rep did). I asked her if the policy was the same for both personal and business cards, and she said it was.

【过了一会儿】客服说她希望可以帮我，但是现在有一个新的系统规则：24个月之内开过这张卡就无法再开同样的卡。她无能为力。这个说法跟我此前早上跟其他两个客服说法一样（虽然其他两个并未说这是一个“新”规则）。我问她是不是这个政策同时适用于个人卡和商业卡。她说是的。

It’s only one DP, but I got the same information from multiple reps, so I’m inclined to believe it. I’d heard discussions lately about something to this effect, but this was more clearly stated to me than I’d read elsewhere.

虽然这只是一个孤证，但是我从多位客服那里得到这个讯息，我倾向于相信这个消息。我进来从其他地方听说过有关于此项政策的讨论，但是现在对我来说是这个政策的推出是非常显而易见了。

Good luck churners, it’s rough out there!

好运吧，Churners！世道艰难！

【牧羊场点评】

• 巴克莱银行信用卡与花旗银行不同，花旗银行虽然也有这个政策，但是花旗银行的信用卡可以开着申。等到申到了同一产品的新卡，把旧卡关掉即可。不过巴克莱银行每个人同时只能持有一张同一产品的信用卡。针对花旗银行的申卡方式对巴克莱银行并不适用。
• 目前Chase (5/24)、AmEx (one per lifetime 1/1)、 Citi (1/24)、BoA (2/3/4)都有不同的申卡和批卡政策。这些政策的推行表明申卡之路越来越艰难。
• 扩展阅读：

《Chase信用卡申请链接和5/24政策的奇妙关系》

《Citi跟风Chase和Amex 新出台1/24政策，8/28起正式施行》

《美国银行(BoA)效仿大通(Chase)与花旗(Citi)，推行2/3/4批卡政策！》

HT：Reddit