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Established Contributor
Posts: 927
Registered: ‎01-16-2015
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Re: Barclay Cards

Got approved for Ring with $10K with a 703 TU and 7 new accounts in previous year, though none in past six months (incl inquiries). They're probably new account and inquiry sensitive to a point (IME it was 6 months).

CURRENT FICO 08: EQ: 732 / TU: 731 / EX: 734
Established Contributor
Posts: 530
Registered: ‎08-15-2015
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Re: Barclay Cards

Recon wont do no good if i got quite a few new accounts

Established Contributor
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Registered: ‎03-22-2014
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Re: Barclay Cards


Imperfectfuture wrote:

theeurotuner wrote:

I wasn't saying 2 years with barclay. He opened 5 new accounts with other banks in the last 2 years. Going by his sig, many are in the later half of 2015. Barclay is new account sensitive.


And my experience says otherwise, but scores were really good upon approvals.


Anecdote: I've had 10 new cards (1 Barclay) plus 2-3 lines of credit and 2-3 personal loans and a car loan with refi show up in the last two years, and Barclays reversed denial on recon with me. Only 2 CC/2 LOC in the last six months, and fewer inquiries on TU. The analyst was pleased that I had no recent baddies, and had been paying down my debts--that seemed to outweigh the new lines and inquiries in the last month or two, and the analyst specifically said that was important to Barclays. 

 

Obviously, your mileage will vary, and even your profile and history may get a different response from different analysts. 

 

If your total usage isn't growing with your available credit, you're probably going to be better off, and (for some creditors) the new accounts won't be as scary. If you got $20k in recent credit and appear to have used $10k of it, I'd expect rocky roads in the recon seas. But as that old Far Side jellyfish outhouse comic said, "only they know for sure."

 

12/29/2015 669/696/706
01/10/2016 698/711/730 but still to and fro a bit

Climbing to 700 and beyond. It's too cold for gardening.
Super Contributor
Posts: 6,305
Registered: ‎02-24-2015
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Re: Barclay Cards


MssRemaa wrote:

What are my chances on getting approved for another Barclay card..... Right now I have a Apple Visa from them... my TU fico is 692... the last card I opened showing on my report was in august... Do you think I can get approved for anoher card and which one if so?


Yes. I think your best shot would be a Barclay Rewards card, second best shot would be an NFL extra points card.

 

 


FICO8 EQ 736 TU 743 EX 733 FICO5 EQ 707 Total revolving 422500
Valued Contributor
Posts: 1,939
Registered: ‎09-13-2013
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Re: Barclay Cards

I apped my a#* off before and after my Barclay apps. Only 1 denial in 2 years.
Every one here is correct!
Barclays IS new account and inquiry sensitive.
The point is YMMV. You have to decide if it's worth a hard pull to find out.
Maybe go for the Rewards card.
Established Contributor
Posts: 546
Registered: ‎03-09-2015

Re: Barclay Cards

Thanks Everybody! I'm not sure if I will apply for the card or not... I might give it a few months n then apply but whatever I do I will keep you guys posted on the outcome... Thanks again!

Current Fico EQ 690 TU 689 EX 651 Goal-780+
In My Wallet- Credit One Visa $1350 Credit One MC $650 Discover it (07/15) $3.9k VS (05/15) $1550 Apple Barclay (08/15) $4K Paypal MasterCard (08/15) 8K Amex ED (08/15) 2K BMW Auto (12/15) BMW Visa (12/15) 2.5K Cabela's Visa 3K (1/16).Virgin America Visa 2.9K (1/16) Care Credit 2K (03/16) Stash Visa 8K (03/16) Capital One QS1 3.5K (03/16) Marvel MasterCard (04/16) $250 Penfed Cash Reward $13,5K Penfed PLOC 8K (04/16) Barneys 4.75K (04/16) Macys $1200 (04/16) NFCU GoR $17.9 (05/16) NFCU CLOC 15K (05/16) Walmart 07/17 $700--Back in the garden until early 2018--- Time to pay down some of these bills
Regular Contributor
Posts: 114
Registered: ‎10-09-2015
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Re: Barclay Cards

I spoke to Barclay CSR yesterday about apr reduction and cli. I asked about additional Barclay cards and rep said you can have as many as you like as long as you pass the hp. I asked about calling in and combining a single HP for a new card AND a cli for my Rewards card but she said that would be 2 HPs. She then said to apply for the NFL card and get a SP cli on Rewards card at the 6 month mark which she said is automatic.
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Super Contributor
Posts: 8,718
Registered: ‎04-11-2013
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Re: Barclay Cards

I was approved for my 4th barclay card in november with way more than 5-10 new cards reporting. I hadnt opened a new barclay card in a year though. Tu was pretty strong, utilization low, inquiries 11ish, almost 3 year relationship with barclay cards. 

Frequent Contributor
Posts: 286
Registered: ‎10-29-2016

Re: Barclay Cards

Barclays can be very strange....I know they're inquiry sensitive for anything under 6 months and they hate new accounts under a year....I have friends with tons of new accounts and a lower Fico score than me and they got approved... and I have other friends who had just a few new account and had far higher fico score and they were denied...Barclays is all over the place in my opinion. 

Valued Contributor
Posts: 1,790
Registered: ‎06-13-2016

Re: Barclay Cards

Hi MssRemaa!

 

I have my own data points to share with you:

 

I was approved for the NFL Extra Points Visa in July '16. I applied for the JetBlue Plus in November '16, and was approved for a $4000 SL with TU 655. Since May '16, prior to apping for the JetBlue, I had opened 5 new credit card accounts: Credit One, Capital One, the NFL Extra Points, Discover, and Victoria's Secret. Just to throw another possible factor out there, I do have a Barclays savings account, so I suppose that could have some bearing on the approval.

 

Good luck if you decide to go for it! Smiley Happy

Current Scores------ EQ 681; TU 652; EX 689 FICO 08---------------- Gardening until "Winter is Over"
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

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