topic Re: Apple Barclay/Juniper denied, denied, denied in Credit Cards

Apple Barclay/Juniper denied, denied, denied

aissa_sf — Fri, 14 Dec 2012 23:07:10 GMT

they show no love to me.. I just want to get a stingin IPAD for my daughter.. No one in our family own any apple equipment

and my kids seems to love 'em..

We are really saying bye, bye, bye Apple!!! :(

Re: Apple Barclay/Juniper denied, denied, denied

Mike360 — Fri, 14 Dec 2012 23:23:35 GMT

Probably will have to pay cash. I don't think anyone that sells iPads will give you a card with those scores.

Re: Apple Barclay/Juniper denied, denied, denied

Rhaeny — Fri, 14 Dec 2012 23:27:10 GMT

What are your scores? Your siggy says that on 10/15/12 it is 550 and that is way too low to expect those cards. I just checked another database and I see an approval on TU with 611 for $2K. Do you have any baddies and if so how recent?

Next time try to find out what the score approvals are before you waste your inquiries as those are too precious to you at this time.

Re: Apple Barclay/Juniper denied, denied, denied

Repo-ed — Sat, 15 Dec 2012 00:08:33 GMT

www.whogavemecredit.com

Got my apple barclay with 650s

Re: Apple Barclay/Juniper denied, denied, denied

aissa_sf — Sat, 15 Dec 2012 00:50:09 GMT

I'm at 603 score. I filed bankruptcy a year ago.. I just took a hit to apply for it just 'coz it's Xmas and my daughters birthday is a little after holiday.

I've been trying but unfortunately Barclay does not like to have many credit cards and high rate of using it even though you were never late.I have a lot of inquiries too just because I'm establishing credits.

Anyway I may not need to apply on this card anymore just because I will not have a need for it. I will probably just have some other family give her

the IPAD if they can afford it instead.

I will rest of applying cards till some of those items already clear my credit. I'm a little frustrated though but that's what happens when your credit is ruined.

Re: Apple Barclay/Juniper denied, denied, denied

Unique620 — Sat, 15 Dec 2012 02:19:32 GMT

Don't be so hard on yourself. I also filed an was discharged from BK in October 2011. I was denied Barclay in June 2012 because I had no revolving credit after BK. So I waited 6 months as per the many forums stated and applied again last week and was approved. It will take time. Did you try the recon #. Thats what I had to do because I learn that the amount I applied for $3000 was denied, but on recon they approved me for $2000.

Re: Apple Barclay/Juniper denied, denied, denied

Ron1 — Sat, 15 Dec 2012 02:25:20 GMT

Sorry to hear. I think Barclays Apple Card is harder than other Barclays cards. You can apply for Best Buy Card and it has longer fiancing plan.

Ron.

Re: Apple Barclay/Juniper denied, denied, denied

JonStur — Sat, 15 Dec 2012 02:36:04 GMT

Yea, it's gonna take a little time to get your scores up...just keep paying on time and no more apps for a while and your scores will be enough to get that Barclay card before you know it!!!

Re: Apple Barclay/Juniper denied, denied, denied

Rhaeny — Sat, 15 Dec 2012 02:39:27 GMT

OP, I just thought about something, what is your utiilzation right now? You know a high utilization can knock you out of the box quickly so let us know.

Re: Apple Barclay/Juniper denied, denied, denied

MountainHiker — Sat, 15 Dec 2012 20:45:37 GMT

aissa_sf wrote:
I'm at 603 score. I filed bankruptcy a year ago.. I just took a hit to apply for it just 'coz it's Xmas and my daughters birthday is a little after holiday.
I've been trying but unfortunately Barclay does not like to have many credit cards and high rate of using it even though you were never late.I have a lot of inquiries too just because I'm establishing credits.
Anyway I may not need to apply on this card anymore just because I will not have a need for it. I will probably just have some other family give her
the IPAD if they can afford it instead.

I will rest of applying cards till some of those items already clear my credit. I'm a little frustrated though but that's what happens when your credit is ruined.

Give it time credit does improve once the baddies fall off.Keep your chin up!

Re: Apple Barclay/Juniper denied, denied, denied

kobe2012 — Sat, 15 Dec 2012 22:11:43 GMT

Or apply for walmart.. Might be easier to get

Re: Apple Barclay/Juniper denied, denied, denied

Mike360 — Sun, 16 Dec 2012 00:23:06 GMT

Ron1 wrote:
Sorry to hear. I think Barclays Apple Card is harder than other Barclays cards. You can apply for Best Buy Card and it has longer fiancing plan.

Ron.

I'm pretty sure the OP wouldn't get approved for one. The Best buy card is probably the best one to get when it comes to financing apple products.

Re: Apple Barclay/Juniper denied, denied, denied

aissa_sf — Sun, 16 Dec 2012 04:54:57 GMT

I will check walmart and best buy. I was thinking about that. After that no more Applying for me for a minute. I have high utilization on my cards.

Re: Apple Barclay/Juniper denied, denied, denied

CotySinz — Sun, 16 Dec 2012 05:04:23 GMT

How high is the util? It might be worth paying cash for the iPad rather than apping for BBY and Walmart as if your util is like 80%+ theres a chance you may be denied for both - but if you do decide to app best of luck to you.

Re: Apple Barclay/Juniper denied, denied, denied

Sparkz1920 — Sun, 16 Dec 2012 15:58:26 GMT

CotySinz wrote:
How high is the util? It might be worth paying cash for the iPad rather than apping for BBY and Walmart as if your util is like 80%+ theres a chance you may be denied for both - but if you do decide to app best of luck to you.

I got mine through Amazon....6 months no interest.I go rid of my BBRZ card and it only had a 500.00 limit anyway.

Re: Apple Barclay/Juniper denied, denied, denied

Repo-ed — Sun, 16 Dec 2012 16:02:30 GMT

Though I do not care for Apple or their products, I wouldn't say it's fair to no longer WANT to purchase their items, simply because you were denied a line of credit due to having low scores.

Had you been approved, you would have been excited and promoting them.

Re: Apple Barclay/Juniper denied, denied, denied

CreditCrusader — Sun, 16 Dec 2012 16:07:22 GMT

Mike360 wrote:
Ron1 wrote:
Sorry to hear. I think Barclays Apple Card is harder than other Barclays cards. You can apply for Best Buy Card and it has longer fiancing plan.

Ron.
I'm pretty sure the OP wouldn't get approved for one. The Best buy card is probably the best one to get when it comes to financing apple products.

With all due respect, I'm pretty sure you are dead wrong...and the reason I know this is I was approved from the Barclay Apple Visa with a 616 TU, a recent BK, and 50%util

To the OP, here is the key with Barclay Apple and recons: They very badly want you to buy the Apple stuff. When I first reconned, they said no. When I lamented the fact that I wouldn't be buying my first Apple product, the guy put me on hold and came back asking me what I wanted. I said the laptop that was 1,099...he approved me for 1,300.

I would recon and tell the rep specificallwith at you want to buy it with no interest financing for Christmas. YMMV, but I think you have a shot with FICO above 600 this time of year.

Re: Apple Barclay/Juniper denied, denied, denied

Repo-ed — Sun, 16 Dec 2012 16:09:58 GMT

CreditCrusader wrote:
Mike360 wrote:
Ron1 wrote:
Sorry to hear. I think Barclays Apple Card is harder than other Barclays cards. You can apply for Best Buy Card and it has longer fiancing plan.

Ron.
I'm pretty sure the OP wouldn't get approved for one. The Best buy card is probably the best one to get when it comes to financing apple products.
With all due respect, I'm pretty sure you are dead wrong...and the reason I know this is I was approved from the Barclay Apple Visa with a 616 TU, a recent BK, and 50%util

To the OP, here is the key with Barclay Apple and recons: They very badly want you to buy the Apple stuff. When I first reconned, they said no. When I lamented the fact that I wouldn't be buying my first Apple product, the guy put me on hold and came back asking me what I wanted. I said the laptop that was 1,099...he approved me for 1,300.

I would recon and tell the rep specificallwith at you want to buy it with no interest financing for Christmas. YMMV, but I think you have a shot with FICO above 600 this time of year.

^^^This

I was denied at first, and called in to recon. Advised that I wanted to buy an apple product (I really didn't), and I was approved for 1k (they matched my highest Seecured card limit) and have since given me a $1200 auto-CLI and I've only had the card now for 6months.

Re: Apple Barclay/Juniper denied, denied, denied

deemac76 — Sun, 16 Dec 2012 16:33:25 GMT

Dang that's déjà vu for real, that was exactly the way I was approved on Friday. I was denied Thursday morning instantly then I called that evening for a recon, Denied. That next morning I called again and spoke with a rep and explained my bk story of why I did it and told her I was interested in a laptop. So she asked how much I wanted to spend and she countered with $2000 rather than the $4000 I asked for. So doing a recon is definitely possible. Good luck to you!

Re: Apple Barclay/Juniper denied, denied, denied

Justin028 — Mon, 17 Dec 2012 16:44:48 GMT

I applied for this card a little over two weeks ago w/ instant approval of $700 CL and my scores are slightly above 600 but no idea with the util was though. The card is OK but the interest rate on non Apple purchases is outragous...I think 22%. Needless to say I'm only using this card to pay off my iPad ($593 w/ tax) and I've already paid $100 on the card before my first statement. I do like that its 0% on the first 12 months on purchases $500+ and I plan on paying off the card in abt 6 mos or so.