Barclaycard for Average Credit

[IamB2]

Check out the approval link to get an idea.

https://www.barclaycardus.com/apply/ProactivePrescreenLanding.action

If it comes up with the "Congratulations" (shown below) then you - well, she has a decent chance.

[Anonymous]

didnt show " congrats" but showed recommended

how is that different

[pizza1]

Maharishi..... Congrats means that your approval for that card is pretty much a done deal. If you only get a "recommended" and not a congrats, then you'll most likely get declined if you app for it. Barclays is usually spot on on their congrats. I applied for the "recommended"card back in December and got denied. In march I did the prequal site and I got a "congrats" for the rewards cards, applied and it was an instant approval.

[Anonymous]

thank you for that insight. Could it be that TU is frozen and recommend was their only option? didn't I have to have TU open for them to give me " congrats" . isnt TU really the only bureau Barclaycards check on.

Anyways, i do thank you for clearing it up. I just dont want a denial. I will go for CreditOne it seems to me.

It is also why my best FICO score is on EX and want to try it one last time before i call it quits on/upto December 2014.

[IamB2]

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@Anonymous wrote:

didnt show " congrats" but showed recommended

how is that different

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The difference is that "Congratulations" means there ia a pre-approval already for her. If it says Recommended, then it doesn't mean you will be denied, just means there is no pre-approval offer at this time.

One can try to apply for it anyway, and based on the scores posted, it will likely be approved. But since there are no pre-approvals, might as well shoot for the Sallie Mae. Better benefits.

EDIT: for typos

[Creditaddict]

Yes you need to unfreeze TU before you apply and why you wouldn't get per approvals too

[crystal0920]

I got denied due to number of inquiries. 692 score

[B335is]

I had this card at one point.  When I got it, my Fico was 650 or slightly higher, I applied on the back end of an app spree.  Instant approval for $750 limit (consistent with my other cards at the time).  It's one of the better cards if you have average credit; decent rewards, they post quickly and are easy to redeem.  I would probably go for Sallie Mae with a score of 700 though and you will need to unfreeze TU - both points Creditaddict already made.

[mynamemightbetim]

Thanks, she got the pre-approval congratulations for it. B335is was barclays picky if you had a couple new cards report right around when you got it? I heard they might close the line (idk if that's true)? She'll have two new accounts pop up right around the same time as this. She'll have the Cap1 report and a victoria's secret LOL. She sort of went on a spree. It didn't really budge her credit much though. Only the cap1 was an app, and an amazon store card from January. And the VS card was the "shopping cart trick".

[Creditaddict]

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@crystal0920 wrote:

I got denied due to number of inquiries. 692 score

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did you recon?