Card Services
P.O. Box 8828
Wilmington, DE 19899-8828
Alexander Miller
7317 Caneberry CT NE
Keizer, OR 97303
USA
Application: 102385629
26-APR-2025
Regarding Your Application for the Mastercard® Gold CardTM
Dear Alexander Miller,
Thank you for your recent application for the Mastercard® Gold CardTM.
We have reviewed your application and determined that we are unable to approve you for a
Mastercard® Gold CardTM account for the following reason(s):
– Debt to income ratio too high
Consumer Reporting Agency Information
The consumer reporting agency that provided information that influenced our decision in whole or in
part was:
EXPERIAN
PO BOX 2002
ALLEN, TX 75013
888-397-3742
DALSTD
The reporting agency played no part in our decision and is unable to supply specific reasons why we
have taken this action. You have a right under the Fair Credit Reporting Act to know the information
contained in your credit file at the consumer reporting agency. You also have a right to a free copy of
your report from the reporting agency, if you request it no later than 60 days after you receive this
notice. In addition, if you find that any information contained in the report you receive is inaccurate
or incomplete, you have the right to dispute the matter with the reporting agency.
Credit Score Information
We also obtained your credit score from EXPERIAN and used it in making our credit decision. Your
credit score is a number that reflects the information in your credit report. Your credit score can
change, depending on how the information in your credit report changes.
Your credit score: 755
Date: 04/24/2025
Scores range from a low of 300 to a high of 850.
Key factors that adversely affected your credit score:
This card issued by Barclays Bank Delaware.
Application: 102385629
26-APR-2025
– Ratio of balance to limit on bank revolving or other rev accts too high
– Too many inquiries last 12 months
– Time since most recent account opening is too short
– Length of time accounts have been established
In addition to the factors above, the number of inquiries on your file has also affected your score.
We regret not being able to meet your credit needs at this time and we look forward to the potential
opportunity to assist you in the future. If you have any questions regarding this letter, please contact
us at:
Card Services
P.O. Box 8828
Wilmington, DE 19899-8828
Toll-Free Phone: 1-866-408-4064
Hours: 8:00 am to 12:00am ET 7 days a week.
Sincerely,
Card Services
NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of
race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding
contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in
good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this
law concerning Barclays is the Bureau of Consumer Financial Protection, 1700 G Street NW., Washington, DC 20006.
This card issued by Barclays Bank Delaware.
