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Established Member
chancep
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
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coldnmn
Posts: 15,818
Registered: ‎08-08-2011
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Re: Apple and Ring approvals from Barclays

Congrats! Thanks for sharing.

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/ Walmart Mastercard $8000 / Discover IT $5000 / Care Credit $5000
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BigBS
Posts: 2,266
Registered: ‎02-18-2014
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Re: Apple and Ring approvals from Barclays

Congrats!


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CreditMagic7
Posts: 3,795
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
Valued Contributor
gdale6
Posts: 9,476
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 :smileyhappy:

EX Cred Ses 12/14: 796 ; EX Fico 04 V2 06/14: 775; EX Fico 08 07/14 778 ; EX Fico 08 BC 12/14: 858
EQ Fico 05/14 781 ; EQ MPM 12/14: 750
TU Fico 8 12/14: 719; TU MPM 06/14 706
Senior Contributor
alvon123
Posts: 9,001
Registered: ‎09-24-2013
0

Re: Apple and Ring approvals from Barclays

well done!!


Valued Contributor
-Wade-
Posts: 12,624
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 :smileyhappy:

Old user name newportguy*** Current Score: myFico EQ - 806 (04/04/2014) Discover TU Fico - 813 (09/02/2014) myFico EX - 804 ( 07/08/2014 ) ******* Amex - BCP 10 K * Discover - IT 10.5 K * U.S. Bank Cash + Visa Signature 8.8 K * PenFed - Cash Rewards 5 K * Amex - GDSM 5 K ****** FICO 800 Club Member ******* EQ 806 *** TU 813 *** EX 804 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 830's Scores ******
Valued Contributor
One7
Posts: 2,139
Registered: ‎07-24-2013
0

Re: Apple and Ring approvals from Barclays

Very cool, congratulations

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ArmyVietVet
Posts: 5,806
Registered: ‎10-03-2008
0

Re: Apple and Ring approvals from Barclays

Congrats!


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