topic Re: Easiest Barclays CC to get?? in Credit Cards

Easiest Barclays CC to get??

Cadillac-XTS — Fri, 05 Oct 2012 22:30:26 GMT

Hi all.

What is the easiest Barclays to get?

Thanks in Advance

Re: Easiest Barclays CC to get??

jsucool76 — Fri, 05 Oct 2012 22:56:32 GMT

From how many approvals I've seen, probanly the apple financing Visa.

What are your scores, how are your reports? Any negs?

Re: Easiest Barclays CC to get??

LS2982 — Fri, 05 Oct 2012 23:31:23 GMT

jsucool76 wrote:
From how many approvals I've seen, probanly the apple financing Visa.

What are your scores, how are your reports? Any negs?

I agree, this is one of their close to sub-prime cards but getsyou in the door with them.

Re: Easiest Barclays CC to get??

dwmaso001 — Sat, 06 Oct 2012 00:50:36 GMT

I just got the Rewards card, FICOs only about 650-660.

Re: Easiest Barclays CC to get??

TheConductor — Sat, 06 Oct 2012 14:49:55 GMT

+1 Apple Financing. A lot of the approvals come on recon, so call them up after you apply if it's not an instant approval.

Don't be afraid to ask for a larger limit than anything you currently have. When I apped for mine I told the credit analyst I was planning to buy the latest top of the line Macbook Pro and asked for $5000. They gave me $2000, but considering my highest limit at the time was $500, I considered that a solid win.

So they're pretty generous with credit lines, even if you don't get exactly what you ask for.

Re: Easiest Barclays CC to get??

Cadillac-XTS — Sat, 06 Oct 2012 20:33:19 GMT

She is going to apply and see what happens.

Re: Easiest Barclays CC to get??

CruzImperial — Sat, 06 Oct 2012 20:35:13 GMT

I would say the apple visa but only because of popularity among posters. I don't really know about their criteria.

Re: Easiest Barclays CC to get??

OptimasPrime — Sat, 06 Oct 2012 20:42:26 GMT

Honestly, I don't think Barclays underwirting varies wildly from product to product. I would just pick the one you want and go for it.

They seem to be pretty good about recons from what I've read around here as well

Re: Easiest Barclays CC to get??

Cadillac-XTS — Sat, 06 Oct 2012 20:50:20 GMT

She has like 6 baddies. 1 is a 17 k repo from 6 years ago and 5 which total about $550 all together..She really wants the Priceline card but afford of the baddies

Re: Easiest Barclays CC to get??

creditnocash — Sat, 06 Oct 2012 21:00:42 GMT

does she need the card now?

id wait until the repo falls off.

and try to pfd or gw those collections. they still hurt after 5+ years but affect it less then they would of if they were brand new.

edit: also does barclays have a preapproval site?

Re: Easiest Barclays CC to get??

Cadillac-XTS — Sat, 06 Oct 2012 21:01:41 GMT

Yes she wants it now. She is taking a trip next month and would like to put it on the priceline card

Re: Easiest Barclays CC to get??

creditnocash — Sat, 06 Oct 2012 21:06:29 GMT

Credit314 wrote:
Yes she wants it now. She is taking a trip next month and would like to put it on the priceline card

does she have inq on her reports? i mean obviously shes going to app anyways. the worst they can do is say no.

im guessing you jointly opening the account is out of the question? :smileywink:

Re: Easiest Barclays CC to get??

Cadillac-XTS — Sat, 06 Oct 2012 21:07:50 GMT

Jointly is totally out the question. She has 3 inqs

Re: Easiest Barclays CC to get??

Cadillac-XTS — Sun, 07 Oct 2012 17:40:52 GMT

She got approved for the priceline card this morning through the backdoor number for 500.00. She just called me and asked me to ask you guys if there is a way that she can get atleast 1200 for a upcoming trip?

Re: Easiest Barclays CC to get??

Shogun — Sun, 07 Oct 2012 17:43:24 GMT

Did she have to call the backdoor number for a recon? If so I think calling them back for a CLI would be too much too soon.

Re: Easiest Barclays CC to get??

Cadillac-XTS — Sun, 07 Oct 2012 17:45:49 GMT

Well she said she had to call the backdoor number for additional information so I am assuming it was for a recon.

Re: Easiest Barclays CC to get??

Ron1 — Sun, 07 Oct 2012 17:59:37 GMT

Two days ago, I put my brother's tuition bill to my Barclay's Rewards World MC. It was only like $1200. Barclays didn't approve it because the account is new. I called them to find out what's going on. I was directed to credit analyst. He asked me a whole bunch of question to verify my ID and made sure they didn't open the account by mistake. I'm sure they pulled credit report all that day because they put me on hold for couple of minutes. Finally, they approved the transaction after answering Lexis Nexis questions. It is not a good idea to put a big purchase expecially a brand new account.

Ron.

Re: Easiest Barclays CC to get??

Ron1 — Sun, 07 Oct 2012 18:02:50 GMT

Most of the time, they will tell you no. They will tell you to show us some payment history to get any CLI. I would say wait six months to ask for any increase.

Ron.

Re: Easiest Barclays CC to get??

Cadillac-XTS — Sun, 07 Oct 2012 19:14:45 GMT

I highly doubt she is looking to charge 1200 on a 500 limit card. I think what she is looking for is a cl of 1200 instead of the 500

Re: Easiest Barclays CC to get??

TheConductor — Mon, 08 Oct 2012 00:16:07 GMT

Either way, I agree with Shogun....if she had to go to recon to get the card in the first place, an instant CLI to $1200 is not in the cards. (Pun intended)

Maybe she can use it to pay for just part of her trip. Or, depending on Barclays policy, maybe she can prepay say $1000 to the card, wait for it to post, and then buy the $1200 trip against that credit, leaving her with a $200 balance on the $500 limit and earning her full points on the purchase. But I'd definitely ask them before doing that to confirm she will still get full points if she does it that way. Otherwise, it'd be an empty effort.

Patience is one of the most difficult aspects of growing your credit, but it's a necessary part of the process. 6 months from now, if she manages the account well, that CLI will not be unreasonable to ask for or unlikely to be approved. A year from now, when that repo is gone from her credit report, she'll be looking even better.