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Established Member
Posts: 22
Registered: ‎09-25-2012
0

Apple and Ring approvals from Barclays

Hey guys, I've been rebuilding and only have 1 card left to pay down, woo! I decided to app for the Ring card since it has a low APR and I wanted to lower my util. I was denied for the Ring online so I apped for the apple financing card and was approved for  $2k. Two days later (today) I called the backdoor number to recon the Ring app and they approved me for $2.5k. I then asked about transfering the limit from the apple card to the ring and the person that did the recon for me told me that wasn't an option... so I called back in to the regular number and had the full limit transfered and the apple card closed in less than 3 minutes. $4.5k is my second highest limit, but ring has a lower apr by 5%. My TU is a 676 according to walmart fico, aaoa 2.6 years, 1 year old collection 90+day, 120+day charge off in 2010, util around 40%. 7 inq.

 

USAA Platinum MC - $5000, Barclay Ring - $4500, USAA Platinum Visa - $1000, Capital One Quicksilver - $500, Walmart Store Card - $140
Mega Contributor
Posts: 17,148
Registered: ‎08-08-2011
0

Re: Apple and Ring approvals from Barclays

Congrats! Thanks for sharing.


IT $16.5k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $10k / Walmart Mastercard $8k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit $5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $3.95k / Citi DC (WMC) $5.7k
Gardening Date 7/01/16 / MyFico 08: EQ 729 / TU 724 / EX 750 / 7/12/15
Valued Contributor
Posts: 2,692
Registered: ‎02-18-2014
0

Re: Apple and Ring approvals from Barclays

Congrats!

AMEX (BCP - $25K, Platinum - NPSL, SCP Bus - $17.5K, SPG - $20K)|BOA (BBR - $15K, CR - $15K)|Barclays (Arrival+ - $17.5K, Ring - $15K)|Blispay - $10K|CAP1 (QS - $30K, Venture - $30K)|Chase (AARP - $15K, freedom - $5.5K, CSP - $25K, MRP Bus - $15K, Slate - $13.5K)|Citibank (DC - $28.2K, HD - $25K)|Discover it - $32.5K|Fidelity IR - $16K|Huntington Voice - $17K|LMCU - $10K|NFCU (cashRewards - $30K, GoRewards - $30K, CLOC - $15K)|PFCU (CR - $30K, Defender - $20K, LOC - $10K)|Synchrony Lowe's - $25K|US Bank Cash + ($12.5K, $21K)|USAA (Cash Rewards - $16K, Rewards - $23.4K, WPAOG - $10.5K)
Senior Contributor
Posts: 12,423
Registered: ‎01-04-2014
0

Re: Apple and Ring approvals from Barclays


chancep wrote:

Hey guys, I've been rebuilding and only have 1 card left to pay down, woo! I decided to app for the Ring card since it has a low APR and I wanted to lower my util. I was denied for the Ring online so I apped for the apple financing card and was approved for  $2k. Two days later (today) I called the backdoor number to recon the Ring app and they approved me for $2.5k. I then asked about transfering the limit from the apple card to the ring and the person that did the recon for me told me that wasn't an option... so I called back in to the regular number and had the full limit transfered and the apple card closed in less than 3 minutes. $4.5k is my second highest limit, but ring has a lower apr by 5%. My TU is a 676 according to walmart fico, aaoa 2.6 years, 1 year old collection 90+day, 120+day charge off in 2010, util around 40%. 7 inq.

 


Fantastic jockying!!

Congrats on sticking to your expectations and they actually fell right into place for you!

 

Smiley Happy

* It's All In The Magic Of Your Own Destiny * FICO TU 764 EQ 723 EX 764
Moderator
Posts: 28,656
Registered: ‎12-13-2013
0

Re: Apple and Ring approvals from Barclays


chancep wrote:

Hey guys, I've been rebuilding and only have 1 card left to pay down, woo! I decided to app for the Ring card since it has a low APR and I wanted to lower my util. I was denied for the Ring online so I apped for the apple financing card and was approved for  $2k. Two days later (today) I called the backdoor number to recon the Ring app and they approved me for $2.5k. I then asked about transfering the limit from the apple card to the ring and the person that did the recon for me told me that wasn't an option... so I called back in to the regular number and had the full limit transfered and the apple card closed in less than 3 minutes. $4.5k is my second highest limit, but ring has a lower apr by 5%. My TU is a 676 according to walmart fico, aaoa 2.6 years, 1 year old collection 90+day, 120+day charge off in 2010, util around 40%. 7 inq.

 


Congrats Smiley Happy

Senior Contributor
Posts: 10,281
Registered: ‎09-24-2013
0

Re: Apple and Ring approvals from Barclays

well done!!

.
Valued Contributor
Posts: 12,960
Registered: ‎08-13-2013
0

Re: Apple and Ring approvals from Barclays


chancep wrote:

Hey guys, I've been rebuilding and only have 1 card left to pay down, woo! I decided to app for the Ring card since it has a low APR and I wanted to lower my util. I was denied for the Ring online so I apped for the apple financing card and was approved for  $2k. Two days later (today) I called the backdoor number to recon the Ring app and they approved me for $2.5k. I then asked about transfering the limit from the apple card to the ring and the person that did the recon for me told me that wasn't an option... so I called back in to the regular number and had the full limit transfered and the apple card closed in less than 3 minutes. $4.5k is my second highest limit, but ring has a lower apr by 5%. My TU is a 676 according to walmart fico, aaoa 2.6 years, 1 year old collection 90+day, 120+day charge off in 2010, util around 40%. 7 inq.

 


Congrats on your approvals Smiley Happy

Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 10 K * Discover - IT 37.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 8.8 K * Amex - GDSM 5 K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Valued Contributor
Posts: 2,926
Registered: ‎07-24-2013
0

Re: Apple and Ring approvals from Barclays

Very cool, congratulations

EX 810 EQ 805 TU 792 Diners WEMC 15k Chase United Club VS 15k | Ritz VS 5k | Frdom VS 5.4k | CSP VS 5k | Marriott VS 6k Citi ExecAA WEMC 11k | TYP VS 5k | Costco VS 2k | Hilton Reserve VS | Best Buy Visa 2k BofA Trav Rwds VS 30k | Cash Rwds VS 10k | Merrill+ VS 30k Barclay Rwds WMC 5.4k | Hawaiin WEMC 10k | JetBlue WEMC 8k | Aviator S WEMC 6k Amex PRG: NPSL | SPG 3k WF Rwds VS 9k | Propel World Amex 2.5k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k NASA 30k Discover It 4.9k | US Bank Cash+ 15k| Total Rwds VS 11k | SG Rwds 10.3k | Walmrt MC 8k | Lowes 17k | Jared/Kay 7.6k | Bowflex 9k | J Deere 5k | TJ Max 4k | Care 7.6k | HDepot 14k | Amazon 5k | PPal Extras 6k | Chvron 10k | Macys 1.5k | JCrew 18.2k | Marvel 15k | Stash VS 15k | Cabelas 10k
Super Contributor
Posts: 8,171
Registered: ‎10-03-2008
0

Re: Apple and Ring approvals from Barclays

Congrats!
Starting Score: 848
Current Score: 800
Goal Score: 850


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