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Established Member
Posts: 48
Registered: ‎11-30-2012
0

Re: New Card

Thanks I took your advice into consideration when applying for the Barclays. I was planning to get 1 INQ and 1 Acct to keep things as minimal as possible. The only reason I did the Credit One is because I panicked but also was told it would not be a HP. It clearly states on their site that it will "not affect credit" but then its kind of strange that they got all that info so now I'm wondering... Since I was denied there as well it makes me think the something is up and that I'm not actually a failure! The only thing is that I have all sorts of addresses on my CR that I have been unable to remove for some time. I have actually had a more difficult time getting the proper address and employment info on my CR than removing negs!! It has never affected me in the past but who knows now days.

Chapter 7 Discharged 6/7/11
Sallie Mae 23k @ 4.5% (student loans) reaffirmed
First Premier 700CL opened 07/11 (CLOSED 06/14)
Wells Fargo 15k @ 10.5% opened 10/11 (auto loan)
Barclays Rewards MC 1500CL opened 12/12
Capital One Spark 2500CL opened 02/14
Discover IT 1000CL opened 03/14
As of 11/20/14 myFICO: EQ 675, TU 657, EX 684
Established Member
Posts: 48
Registered: ‎11-30-2012
0

Re: New Card

UPDATE:  So I called the backdoor number today for the Barclays card and they were very friendly and helpful. He had me verify a few things (addresses on my CR screwed up) and then he was like OK you're approved. I had some questions and he xfer me to a credit analyst who told me they were giving me $1500CL and she thought this was fair based on doing well (no baddies) since BK and that they also took into consideration my other open card. So all in all informative and worth it. I just hope hope the card will grow with me as many others have suggested!

Chapter 7 Discharged 6/7/11
Sallie Mae 23k @ 4.5% (student loans) reaffirmed
First Premier 700CL opened 07/11 (CLOSED 06/14)
Wells Fargo 15k @ 10.5% opened 10/11 (auto loan)
Barclays Rewards MC 1500CL opened 12/12
Capital One Spark 2500CL opened 02/14
Discover IT 1000CL opened 03/14
As of 11/20/14 myFICO: EQ 675, TU 657, EX 684
Valued Contributor
Posts: 1,905
Registered: ‎07-12-2012
0

Re: New Card

Awesome news and congrats! Im waiting one year post bk to app and cant wait :smileyhappy:

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
698 EQ FICO 02/2015
710 TU FICO 02/2015
678 EX FICO 02/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $6k Barclay Arrival WEMC | $5k Cap1 Quicksilver | $5k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways
Frequent Contributor
Posts: 398
Registered: ‎11-03-2012
0

Re: New Card

I was right yay! You were definitely ripe for this card.

 

Now the question is, are you going to app for the Discover? 

 

Congrats!!


Starting Score: 501
Current Score: 706 EQ,TU 689,EX 686
Goal Score: 720

Established Member
Posts: 48
Registered: ‎11-30-2012
0

Re: New Card

Yea good call!! I think I will hold off on the Discover until after my mortgage app.

Chapter 7 Discharged 6/7/11
Sallie Mae 23k @ 4.5% (student loans) reaffirmed
First Premier 700CL opened 07/11 (CLOSED 06/14)
Wells Fargo 15k @ 10.5% opened 10/11 (auto loan)
Barclays Rewards MC 1500CL opened 12/12
Capital One Spark 2500CL opened 02/14
Discover IT 1000CL opened 03/14
As of 11/20/14 myFICO: EQ 675, TU 657, EX 684
Established Contributor
Posts: 741
Registered: ‎10-04-2010
0

Re: New Card

[ Edited ]

Congratulations. I love my barclay's card. I was approved about seven months ago (3 years post BK) and I have already had one auto CL increase. I can't wait for more. Interest rate is high but the only balance I carry on the card are at 0% from Apple purchases :smileyhappy:

 

 

 

BK in 2008, after making very stupid financial decisions.

Barclay's Apple Financing Card ($6400) --- Capital One Quicksilver ($10,000)---GEMB CareCredit ($5700) --- AUFCU ($10000)--- Walmart ($5000)

FICO Scores: TU 735 EQ 709 EX 740 (Feb 2013, all pulled by lender)

Frequent Contributor
Posts: 455
Registered: ‎01-04-2012
0

Re: New Card

Congrats to you:smileyhappy:

Established Member
Posts: 48
Registered: ‎11-30-2012
0

Re: New Card

I have had my Barclay's card now for 14-15 payments (depending on credit bureau) and have not had a CLI. I use the card every month and have had some high balances at times. Just curious if I should request a CLI or app for another card?

 

FYI from earlier posts - I was pre-approved for an FHA mortgage 2 years and 1 day from my Chapter 7 BK and closed on a house in December! I have not added any other new accounts or missed any payments. I would like to bolster my credit lines but curious about what new card I would be able to get.

Chapter 7 Discharged 6/7/11
Sallie Mae 23k @ 4.5% (student loans) reaffirmed
First Premier 700CL opened 07/11 (CLOSED 06/14)
Wells Fargo 15k @ 10.5% opened 10/11 (auto loan)
Barclays Rewards MC 1500CL opened 12/12
Capital One Spark 2500CL opened 02/14
Discover IT 1000CL opened 03/14
As of 11/20/14 myFICO: EQ 675, TU 657, EX 684
Valued Contributor
Posts: 1,905
Registered: ‎07-12-2012
0

Re: New Card


Section700 wrote:

I have had my Barclay's card now for 14-15 payments (depending on credit bureau) and have not had a CLI. I use the card every month and have had some high balances at times. Just curious if I should request a CLI or app for another card?

 

FYI from earlier posts - I was pre-approved for an FHA mortgage 2 years and 1 day from my Chapter 7 BK and closed on a house in December! I have not added any other new accounts or missed any payments. I would like to bolster my credit lines but curious about what new card I would be able to get.


You are definitley due for a CLI. Surprised you didnt get 6 month auto luv. I think you are a great Discover IT test subject...no pressure :smileyhappy: 

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
698 EQ FICO 02/2015
710 TU FICO 02/2015
678 EX FICO 02/2015
$14k NFCU Platinum | $25k NFCU cashRewards Sig | $15k NavChek | $6k Barclay Arrival WEMC | $5k Cap1 Quicksilver | $5k Amazon Store | $10k Cap1 VentureOne | $5k Barclay US Airways
Established Member
Posts: 48
Registered: ‎11-30-2012
0

Re: New Card

Ok interesting. That is one of the few I have been looking at. I did NOT burn Discover in my BK so I might have a shot!

Chapter 7 Discharged 6/7/11
Sallie Mae 23k @ 4.5% (student loans) reaffirmed
First Premier 700CL opened 07/11 (CLOSED 06/14)
Wells Fargo 15k @ 10.5% opened 10/11 (auto loan)
Barclays Rewards MC 1500CL opened 12/12
Capital One Spark 2500CL opened 02/14
Discover IT 1000CL opened 03/14
As of 11/20/14 myFICO: EQ 675, TU 657, EX 684

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