I applied today for the titanium Mastercard card, not expecting much. My balances are at 45%, and my mid score on TU was 665. So, I expected a decline, and I got a response that my app needed to be reviewed manually.
So, I called the Barclay line to inquire and was told that my sole 1x30 late and 16 inquiries were too much to offer me a card. And, "to call back in a few months."
I kept pushing, and after a brief review of my credit history and admission, I'm a current Barclay cardholder in good standing and they offered me a card with a $5k credit line. Super stoked about getting the card.
I guess the moral of this story is to never assume it's over until you've put your best effort forward and given it your all.
Bottom Line: Yes, I would recommend this to a friend