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Apple Barclay/Juniper denied, denied, denied

Established Member

Apple Barclay/Juniper denied, denied, denied

they show no love to me.. I just want to get a stingin IPAD for my daughter.. No one in our family own any apple equipment

and my kids seems to love 'em..

 

We are really saying bye, bye, bye Apple!!! Smiley Sad


Starting Score FICO SCORE 8: Equifax 605, TU 609, Experian 620, Bankruptcy November 9, 2011 (Discharge Date)
Rebuilding. In my wallet CAP1 @ $300 now $500 after 6 months, Cap1 @ $300, Synchrony/Old Navy, Walmart @ $200 Auto loan - $25K @ $490/month, school loan $20K, 4 hard inquiry
Goal Score: 700



Message 1 of 20
19 REPLIES
Frequent Contributor

Re: Apple Barclay/Juniper denied, denied, denied

Probably will have to pay cash. I don't think anyone that sells iPads will give you a card with those scores.

Message 2 of 20
Valued Contributor

Re: Apple Barclay/Juniper denied, denied, denied

What are your scores?  Your siggy says that on 10/15/12 it is 550 and that is way too low to expect those cards.   I just checked another database and I see an approval on TU with 611 for $2K.  Do you have any baddies and if so how recent?  

 

Next time try to find out what the score approvals are before you waste your inquiries as those are too precious to you at this time.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 3 of 20
Valued Contributor

Re: Apple Barclay/Juniper denied, denied, denied

www.whogavemecredit.com

 

Got my apple barclay with 650s

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 4 of 20
Established Member

Re: Apple Barclay/Juniper denied, denied, denied

I'm at 603 score. I filed bankruptcy a year ago.. I just took a hit to apply for it just 'coz it's Xmas and my daughters birthday is a little after holiday.

I've been trying but unfortunately Barclay does not like to have many credit cards and high rate of using it even though you were never late.I have a lot of inquiries too just because I'm establishing credits.

Anyway I may not need to apply on this card anymore just because I will not have a need for it. I will probably just have some other family give her

the IPAD if they can afford it instead.

 

I will rest of applying cards till some of those items already clear my credit. I'm a little frustrated though but that's what happens when your credit is ruined.

 


Starting Score FICO SCORE 8: Equifax 605, TU 609, Experian 620, Bankruptcy November 9, 2011 (Discharge Date)
Rebuilding. In my wallet CAP1 @ $300 now $500 after 6 months, Cap1 @ $300, Synchrony/Old Navy, Walmart @ $200 Auto loan - $25K @ $490/month, school loan $20K, 4 hard inquiry
Goal Score: 700



Message 5 of 20
Frequent Contributor

Re: Apple Barclay/Juniper denied, denied, denied

Don't be so hard on yourself. I also filed an was discharged from BK in October 2011. I was denied Barclay in June 2012 because I had no revolving credit after BK. So I waited 6 months as per the many forums stated and applied again last week and was approved. It will take time. Did you try the recon #. Thats what I had to do because I learn that the amount I applied for $3000 was denied, but on recon they approved me for $2000. 



MCU $1000 (open 5/2015) I Capital One $3750 (open 4/2012) I Discover IT $2000 (open May 2017)
Starting Score 07/2016: TU 619 I EX 631 I EQ 592 I
Current Score 05/2017: TU 658 I EX 666 I EQ 666 I
Goal Score: All scores between 670-700 by July 2017
Message 6 of 20
Super Contributor

Re: Apple Barclay/Juniper denied, denied, denied

Sorry to hear. I think Barclays Apple Card is harder than other Barclays cards. You can apply for Best Buy Card and it has longer fiancing plan.

 

 

Ron.

Message 7 of 20
Highlighted
Established Contributor

Re: Apple Barclay/Juniper denied, denied, denied

Yea, it's gonna take a little time to get your scores up...just keep paying on time and no more apps for a while and your scores will be enough to get that Barclay card before you know it!!!


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Message 8 of 20
Valued Contributor

Re: Apple Barclay/Juniper denied, denied, denied

OP, I just thought about something, what is your utiilzation right now?  You know a high utilization can knock you out of the box quickly so let us know.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 9 of 20
Established Contributor

Re: Apple Barclay/Juniper denied, denied, denied


aissa_sf wrote:

I'm at 603 score. I filed bankruptcy a year ago.. I just took a hit to apply for it just 'coz it's Xmas and my daughters birthday is a little after holiday.

I've been trying but unfortunately Barclay does not like to have many credit cards and high rate of using it even though you were never late.I have a lot of inquiries too just because I'm establishing credits.

Anyway I may not need to apply on this card anymore just because I will not have a need for it. I will probably just have some other family give her

the IPAD if they can afford it instead.

 

I will rest of applying cards till some of those items already clear my credit. I'm a little frustrated though but that's what happens when your credit is ruined.

 


Give it time credit does improve once the baddies fall off.Keep your chin up!

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Message 10 of 20