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Valued Member
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Re: Is Barclay, Discover or Chase

[ Edited ]

Barclaycard US does it. Talked to them myself.

BK Discharge 5/6/14
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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!
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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: 4-1-09 / Discharged: 5-7-13 / myFICO 5-1-15 EQ: 674 EX: 687 TU: 666
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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.
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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
721 EQ FICO 04/2015
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Re: Is Barclay, Discover or Chase

I have a student loan 2011- good standing
DTE: 4 yrs- good standing
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Re: Is Barclay, Discover or Chase

FICO 647
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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)
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Wallet: Discover IT $2000, Capital One Platinum $12000, Barclays Rewards $4700, Walmart $2600, Amazon Store Card $1250.
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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
721 EQ FICO 04/2015
720 TU FICO 04/2015
728 EX FICO 04/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.4k Cap1 Quicksilver | $6k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways | $500 Chase Freedom
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Registered: ‎04-19-2014
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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!

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