Reply
Regular Contributor
Posts: 115
Registered: ‎07-14-2008
0

Re: Approved Apple Barclays Card 2500 Credit Line !! ??

wow nice, i only got approved for $700 and my score is over 680

New Visitor
Posts: 2
Registered: ‎08-24-2011
0

Re: Approved Apple Barclays Card 2500 Credit Line !! ??

to find out about this , please help

New Visitor
Posts: 2
Registered: ‎08-24-2011
0

Re: Approved Apple Barclays Card 2500 Credit Line !! ??

how so I sign up

Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Approved Apple Barclays Card 2500 Credit Line !! ??


tankie60 wrote:

how so I sign up



To what? Barclay's iTunes? Go to Apple.com and apply.

New Contributor
Posts: 74
Registered: ‎03-19-2011
0

Re: Approved Apple Barclays Card 2500 Credit Line !! ??

i have to add to this wonderful thread of Barclays approving people. I would have never even applied if it werent for this thread but after reading it i got enough courage and decided i was going to counter attack my expected denial with a recon and hope for the best. I applied online and got the message that i needed to call in and talk to an associate in order to complete my application process. I called about an hour later on my lunch break and spoke to a wonderful lady who then proceeded to ask me some security questions about my identity. I asked for a credit line of 2000-2500 and she stated that she could only approve me for 1300.00 at this time but i had the option of going directly to the credit analysts for a CL recon. I said ill gladly take the 1300.00 and explained that i had only asked for the 2000-2500 because i didnt want it to report max utility she said she understood and let me know that i could make my apple purchase today online and i should be expecting my card and a welcome packet in 7-10 days!

 

im not sure which report was pulled yet, ill update it when i know for sure but a little about my credit report - i have a repo thats 5 years old with 0 balance and 1 med collection on EQ that i have disputed to no end. i also have some lates on my student loans with the most recent being 6 months ago but all of my credit card history is perfect and my aaoa is about 11 years. I was also recently just added onto as an AU for a BOA Platinuum signature visa with a cl of 13k but i dont think that influenced Barclays approval today because i dont think its reported yet. Thanks for the thread - great info and approval for me! Also, i think my score ranges are 670 Transunion (true credit) 670 Equifax (fico) 724 FAKO for experian.

BCE 12800, bofa travel rewards 8k, Barclays apple 6200, Macy's 2000, Macy's Amex 3200, merrick bank 300 , Victoria secret 1350, jcrew 1350
New Visitor
Posts: 1
Registered: ‎08-20-2012
0

Re: Approved Apple Barclays Card 2500 Credit Line !! ??

While they may award a high credit limit you will need to prove your credit worthiness time and time again. When I first received my card I had planned to use the card on a vacation, after a couple of transactions and little of my limit used my card started to be declined, mind you this was while I was on vacation. Thankfully I had other cards and cash I could use while on that vacation. When I called to find out what the reasons for the declines I was told that I was charging too much without having gone through a billing cycle. I paid the card off before it was due but they lowered my credit line by half the amount they had initially awarded.

 

Over the past three years I have built my credit up and been awarded a very large credit limit, actually more that I really wanted. I have used this card a lot, and most always paid the card off every month, hoping to build my credit rating. However, I have had many instances when my card was declined, usually when I was not shopping locally.

 

Anytime I traveled I had to make sure I called in advance to pre-authorize charges outside of my location, if I didn't my card would be locked up until I could get thru to someone to verify my purchases, not very convenient and more than frustrating.

 

Recently I have had a lot of activity on my card due to the fact that my son was getting married and I was helping with his wedding. With so much going on I was two days late paying less than a $100.00 balance, my card was locked up once again and today, getting back from the wedding I opened a letter stating my credit limit had been decreased to $500, my credit line prior to this was $5,000. Note my balance is zero. I was shocked and insulted. I have closed my account for good, and will use other credit sources that are much more dependable.

 

My advise to you if you decide to use this card would be to always call in advance of travel, pay lots of money in interest charges by not paying your card off every month, never reach the credit limit and avoid using the cash advance feature. You may find this card will help you establish a better credit rating if you are willing be embarrased when your card is declined for no good reason. Always have a backup card or cash when you use this card.

 

 

 

Regular Contributor
Posts: 237
Registered: ‎07-13-2012
0

Re: Approved Apple Barclays Card 2500 Credit Line !! ??

I applied in March and was declined. Don't know my scores then but I'm guessing they were in the low 600s. I applied today and was happy to see an approval of $1300.00. Scores are currently in the mid to high 600s (recent card PIF didn't post to two reports as of the weekend).  I'll have to keep the info above in mind. 

EX 638 (Lender 9/1) TA 650(Walmart 9/1) EQ 655 (FICO - 9/17)
Goal - 700 Club in '13!!!

My Wallet - Cap 1 - $300. Cap 1 - $750. Orchard - $950.
New as of 8/29 - Target - $3000. Barclay's - $2000. Merrick - $1000. Walmart $600. And as of 9/22 - JCP $200.
Established Contributor
Posts: 921
Registered: ‎12-10-2011
0

Re: Approved Apple Barclays Card 2500 Credit Line !! ??

Congrats.  they are giving you a chance. Make good use of it:smileywink:


Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800

If your outGo is more than your INcome than your UpKeep will become your downFALL.

Take the FICO Fitness Challenge


Super Contributor
Posts: 5,278
Registered: ‎12-11-2011
0

Re: Approved Apple Barclays Card 2500 Credit Line !! ??

I'm really tempted to apply just because of this thread, but I'm in the garden, and it's only been like 13 days haha D:

;
Senior Contributor
Posts: 6,260
Registered: ‎08-16-2012
0

Re: Approved Apple Barclays Card 2500 Credit Line !! ??

I LOVE Barclay's.... good to see them still doing well by others....

 

 

I went from a denial to a $6,500 limit Travelocity American Express after a recon call....

my score was 670'ish on TU FICO.

 

I think the lady gave me such a high limit so that I could transfer all of my balances for that zero percent interest, which is not retroactive in my case. PLUS I have like enough points to equal $150 off anything booked on Travelocity!!

 

I LOVE THIS FORUM! :-)

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.