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Barclay Visa Apple Rewards Odds of Approval?

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Anonymous
Not applicable

Barclay Visa Apple Rewards Odds of Approval?

Hey guys, I am still pretty new to credit. Started up in October actually, when I bought my car. I've read a few questions similar to mine, and see that they like to pull TU scores, which mine is a 627. I have 2 inq on it from when I bought my car. Can anyone tell me my odds of being approved? I would really like to get a new phone but paying that full price.. Not really looking forward to that.
14 REPLIES 14
Scupra
Super Contributor

Re: Barclay Visa Apple Rewards Odds of Approval?

Hello and welcome to myFICO! Do you have anything else reporting besides the car? Any baddies?

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 2 of 15
Anonymous
Not applicable

Re: Barclay Visa Apple Rewards Odds of Approval?

I've got a pull from 2015 when I tried to get a contract phone with sprint. No cc history or collections. Just inquiries.
Message 3 of 15
Scupra
Super Contributor

Re: Barclay Visa Apple Rewards Odds of Approval?

I am assuming your score is a FICO score? Barclay is all over the map honestly. I will say this, if you get declined make sure to recon as Barclay is very good with recons.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 4 of 15
Anonymous
Not applicable

Re: Barclay Visa Apple Rewards Odds of Approval?

It actually isn't a fico.. It's a credit karma tu. I think I'm gonna get a secured cc and have that for a few months before I apply. Don't really wanna get a hp of my shot isn't very high
Message 5 of 15
Scupra
Super Contributor

Re: Barclay Visa Apple Rewards Odds of Approval?

I would urge you to attempt getting an unsecured card first.. It sounds like you have very little HP's and most likely don't need to worry. If anything give Capital One a shot as they are very easy for first time credit card seekers. Good luck

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 6 of 15
fltireguy
Valued Contributor

Re: Barclay Visa Apple Rewards Odds of Approval?

For a clean file, with only a car loan reporting, your FAKO score seems on the low side. Please don't confuse that score with your actual credit score that lenders use, there can be a HUGE difference

You should probably go to credit check total dot com and sign up for the one week trial for $1 - that will give you your real scores

As it has already been said, Capital One might be a good place for you to start. Barclays is so all over the place that they can be hard to figure, plus, they are not the most mentally stable bank either (lots of AA to members on here)

Good luck. And welcome.
NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 7 of 15
fltireguy
Valued Contributor

Re: Barclay Visa Apple Rewards Odds of Approval?

Also, MOST secured cards will result in a HP

Another good one is to try Bank Of America, for a cash rewards card (unsecured) - they might counter you with the 99/500 offer if they won't approve.
NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 8 of 15
Anonymous
Not applicable

Re: Barclay Visa Apple Rewards Odds of Approval?

Barclay very recently denied my ultra credit-worthy daughter an Apple Visa. Needless to say, she was shocked, embarassed, and refused to try recon. Like you, she had a couple inquiries from an auto purchase, plus another for a personal loan. Perhaps that's why? Personally, I think she dodged a bullet. 

Message 9 of 15
Anonymous
Not applicable

Re: Barclay Visa Apple Rewards Odds of Approval?

I"ve been reading forums similar to mine and read that Barclay Apple is very helpful when it comes to recon so it might have been worth a shot for her...but also read that ymmv. I really wanna get the iphone 7 without dumping all of my money into it at once, but i don't think i should risk it yet. I'm gonna try capital one secured for a while and see what i can build from there before i go for it...

Message 10 of 15
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