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Established Member
Posts: 22
Registered: ‎09-25-2012
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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: 16,668
Registered: ‎08-08-2011
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Re: Apple and Ring approvals from Barclays

Congrats! Thanks for sharing.

Valued Contributor
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Registered: ‎02-18-2014
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Re: Apple and Ring approvals from Barclays

Congrats!


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Posts: 6,102
Registered: ‎01-04-2014
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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!

 

:smileyhappy:


It's All In The Magic Of Your Own Destiny

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Senior Contributor
Posts: 18,267
Registered: ‎12-13-2013
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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 :smileyhappy:

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Senior Contributor
Posts: 10,036
Registered: ‎09-24-2013
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Re: Apple and Ring approvals from Barclays

well done!!

.
Valued Contributor
Posts: 12,906
Registered: ‎08-13-2013
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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 :smileyhappy:

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Valued Contributor
Posts: 2,687
Registered: ‎07-24-2013
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Re: Apple and Ring approvals from Barclays

Very cool, congratulations

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Re: Apple and Ring approvals from Barclays

Congrats!
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