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Valued Member
Delia72
Posts: 35
Registered: ‎04-23-2014
0

Re: Is Barclay, Discover or Chase

[ Edited ]

Barclaycard US does it. Talked to them myself.

BK Discharge 5/6/14
Quizzle Score EQ 585 as of 7/14
TU 637 as of 7/14
Credit Sesame EX FAKO 653 as of 7/10/14
Goal 700 + home purchase

Cap 1 Unsecured Plat PC'd to Quicksilver
Frequent Contributor
Drsgwld
Posts: 304
Registered: ‎05-21-2014
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Re: Is Barclay, Discover or Chase

I haven't been 'Officially' denied yet, but it certainly did not approve me in 60 seconds or less. From the blog responses I have heard, this isn't a good sign!
Established Contributor
TRC_WA
Posts: 729
Registered: ‎02-08-2014
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Re: Is Barclay, Discover or Chase


Delia72 wrote:

Barclaycard US does it. Talked to them myself.


Yeah just found it.  Barclaycard US isn't what I was searching for the first time... I was just doing a search for Barclays because I was thinking Barclays Bank.



Filed BK13: 04-01-09 / Discharged: 05-07-13 / myFICO 09-14-14 EQ: 694 EX: 679 TU: 656
$2000 Cap One QS MC / $2750 Cap One QS MC / $1800 Citi Best Buy / $2200 Barclay Apple Visa / $7500 Care Credit
$650 Chevron gas / $650 76 gas / $900 Walmart / $8500 BECU Rewards Visa / $20k 3.99% BECU auto loan
CC UTIL: 28% / 2014 inquiries: EQ: 0 EX: 0 TU: 2 (3-24 & 6-13) / Gardening since 6-13-14!
Frequent Contributor
Drsgwld
Posts: 304
Registered: ‎05-21-2014
0

Re: Is Barclay, Discover or Chase

I spoke to Barclay and believe it or not the reason I was denied is because my Credit File is too lean according to their credit dept. He said to wait a few months and call back. I have not heard Barclay denying over this reason.
Valued Contributor
Scupra
Posts: 1,375
Registered: ‎07-12-2012
0

Re: Is Barclay, Discover or Chase

[ Edited ]

Drsgwld wrote:
I spoke to Barclay and believe it or not the reason I was denied is because my Credit File is too lean according to their credit dept. He said to wait a few months and call back. I have not heard Barclay denying over this reason.

Pretty common actually. Good luck, they are great once you get in.

 

edit: I guess a better question would be, what have you done to rebuild so far?

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
692 EQ FICO 09/2014
680 TU FICO 09/2014
671 EX FICO 09/2014
$14k NFCU Flagship Sig - $14k NFCU cashRewards Sig - $15k NavChek - $6k Barclay Arrival + - $5k Cap1 Quicksilver
Frequent Contributor
Drsgwld
Posts: 304
Registered: ‎05-21-2014
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Re: Is Barclay, Discover or Chase

I have a student loan 2011- good standing
DTE: 4 yrs- good standing
5th 3rd MC @24 $500 CL: 0 balance for current statement-Good Standing
Recently opened Cap1QS: $1000 CL haven't used it yet.
Frequent Contributor
Drsgwld
Posts: 304
Registered: ‎05-21-2014
0

Re: Is Barclay, Discover or Chase

FICO 647
Regular Contributor
somotao
Posts: 229
Registered: ‎08-13-2011
0

Re: Is Barclay, Discover or Chase


Drsgwld wrote:
FICO 647

Barclays does like to see some activity from another card. I would try back in Six months and you should be good to go. With regards to Chase. There are those who seem to get approved 4 years post BK.


Starting Score: 500s
Current Score: EQ: 693myFICO(9/7/12), TU: 710myFICO(9/2/12), EX Plus:701(lp,4/16/12)
Goal Score: 700

Wallet: Discover IT $2000, Capital One Platinum $12000, Barclays Rewards $4700, Walmart $2600, Amazon Store Card $1250.
Keep the Hearth of your Thoughts Pure, by so doing you will be Happy and bring Peace!
Valued Contributor
Scupra
Posts: 1,375
Registered: ‎07-12-2012
0

Re: Is Barclay, Discover or Chase


somotao wrote:

Drsgwld wrote:
FICO 647

Barclays does like to see some activity from another card. I would try back in Six months and you should be good to go. With regards to Chase. There are those who seem to get approved 4 years post BK.


After they have done 4 years of rebuilding. I wouldn't try Chase yet, just my opinion though.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
692 EQ FICO 09/2014
680 TU FICO 09/2014
671 EX FICO 09/2014
$14k NFCU Flagship Sig - $14k NFCU cashRewards Sig - $15k NavChek - $6k Barclay Arrival + - $5k Cap1 Quicksilver
Established Member
arholden
Posts: 32
Registered: ‎04-19-2014
0

Re: Is Barclay, Discover or Chase


Drsgwld wrote:
I spoke to Barclay and believe it or not the reason I was denied is because my Credit File is too lean according to their credit dept. He said to wait a few months and call back. I have not heard Barclay denying over this reason.

Yeah, I got my denial letter from Barclays today and they said it was due to 'insufficient number of credit cards on your credit report'.

 

Much different from being denied for having too many delinquent accounts on your credit history!

BK7 discharged Feb. 2014
MYFICO scores: EQ 638 EX 625 TU 634
$1000/12-month credit builder loan opened June 2014
CapOne Platinum $1000, CapOne QS $1000 (both July 2014)

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