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Valued Member
Posts: 35
Registered: ‎04-23-2014
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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
Posts: 390
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!
Senior Contributor
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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.



2015 Dodge Challenger RT @ 4.49% opened: 1/15 $5k in student loans opened: 3/01 AAoA: 5.5 years
myFICO 3-29-16 EQ: 735 EX: 743 TU: 740 / CC UTI: 32% / Gardening since: 3-25-15
Frequent Contributor
Posts: 390
Registered: ‎05-21-2014
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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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Senior Contributor
Posts: 3,747
Registered: ‎07-12-2012
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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
730 EQ FICO 04/2016
732 TU FICO 04/2016
738 EX FICO 04/2016
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.8k Cap1 Quicksilver | $10k Amazon Store | $11k Cap1 VentureOne | $7k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred
Frequent Contributor
Posts: 390
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
Posts: 390
Registered: ‎05-21-2014
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Re: Is Barclay, Discover or Chase

FICO 647
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Posts: 316
Registered: ‎08-13-2011
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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: 700myFICO(9/7/12), TU: 710myFICO(9/2/12), EX Plus:701(lp,4/16/12)
Goal Score: 700

Wallet: Discover IT $20300, Capital One Platinum $15000, Barclays Rewards $5700, Walmart $6000, Amazon Store Card $6000 Chase Sapphire Preferred $5000, Bank of America Cash Rewards $500.
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Senior Contributor
Posts: 3,747
Registered: ‎07-12-2012
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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
730 EQ FICO 04/2016
732 TU FICO 04/2016
738 EX FICO 04/2016
$20k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $9k Barclay Arrival WEMC | $5.8k Cap1 Quicksilver | $10k Amazon Store | $11k Cap1 VentureOne | $7k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred
Valued Member
Posts: 49
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!

BK7 discharged Feb. 2014
MYFICO scores: EQ 672 EX 677 TU 659
CapOne Platinum $4500, CapOne QS $4500 (both July 2014)
Discover $5500 (Apr 2016)
WalMart store card $700 (Sept 2014)
Amazon store card $850 (Sept 2014)
CareCredit $2000 (Jan 2015)

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