Apple and Ring approvals from Barclays

[chancep]

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.

[coldnmn]

Congrats! Thanks for sharing.

[BigBS]

Congrats!

[CreditMagic7]

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@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.

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Fantastic jockying!!

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

[gdale6]

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@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.

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Congrats

[alvon123]

well done!!

[-Wade-]

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@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.

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Congrats on your approvals

[One7]

Very cool, congratulations

[Anonymous]

Congrats!