Credit Cards Center Credit cards from our partners
Reply
Established Contributor
Posts: 747
Registered: ‎03-16-2012
0

Re: Apple Barclay/Juniper denied, denied, denied

Or apply for walmart.. Might be easier to get

Starting Score: TU: 481 12/30/2015 EQ:561 12/30/2015 EX:532 12/30/2015 (MYFICOS) BK FILED: 09/2015 DISCHARGED 12/2015 -- TU:515 EQ: 561 EX: 544 01/30/2016
Frequent Contributor
Posts: 439
Registered: ‎03-19-2010
0

Re: Apple Barclay/Juniper denied, denied, denied


Ron1 wrote:

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.


I'm pretty sure the OP wouldn't get approved for one. The Best buy card is probably the best one to get when it comes to financing apple products.

Established Member
Posts: 22
Registered: ‎12-07-2011
0

Re: Apple Barclay/Juniper denied, denied, denied

I will check walmart and best buy. I was thinking about that. After that no more Applying for me for a minute. I have high utilization on my cards.

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



Regular Contributor
Posts: 242
Registered: ‎06-27-2011
0

Re: Apple Barclay/Juniper denied, denied, denied

How high is the util? It might be worth paying cash for the iPad rather than apping for BBY and Walmart as if your util is like 80%+ theres a chance you may be denied for both - but if you do decide to app best of luck to you.


Starting: 563 | Current: 748 (TU 8/15) | Goal: 800 | Garden since: 08/10/2015

Frequent Contributor
Posts: 271
Registered: ‎08-09-2009
0

Re: Apple Barclay/Juniper denied, denied, denied


CotySinz wrote:

How high is the util? It might be worth paying cash for the iPad rather than apping for BBY and Walmart as if your util is like 80%+ theres a chance you may be denied for both - but if you do decide to app best of luck to you.



I got mine through Amazon....6 months no interest.I go rid of my BBRZ card and it only had a 500.00 limit anyway.


Starting Score: 601
Current Score: 670
Goal Score: 700


Take the FICO Fitness Challenge

NFCU Rewards- 8K......AMEX Delta Skymiles-5k.....Citi AAdvantage AMEX-3.5K...WalMart Discover-4K....Old Navy Visa-2k...BOA-3000...AMEX Green-NPSL....Discover More-1K
Valued Contributor
Posts: 2,992
Registered: ‎02-09-2012
0

Re: Apple Barclay/Juniper denied, denied, denied

Though I do not care for Apple or their products, I wouldn't say it's fair to no longer WANT to purchase their items, simply because you were denied a line of credit due to having low scores.

 

Had you been approved, you would have been excited and promoting them.

5/2012: 560 credit scores across the board
12/2014: 750+ scores across the board
Get those baddies removed!!!
Established Contributor
Posts: 799
Registered: ‎09-27-2011
0

Re: Apple Barclay/Juniper denied, denied, denied


Mike360 wrote:

Ron1 wrote:

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.


I'm pretty sure the OP wouldn't get approved for one. The Best buy card is probably the best one to get when it comes to financing apple products.


With all due respect, I'm pretty sure you are dead wrong...and the reason I know this is I was approved from the Barclay Apple Visa with a 616 TU, a recent BK, and 50%util

 

To the OP, here is the key with Barclay Apple and recons: They very badly want you to buy the Apple stuff. When I first reconned, they said no. When I lamented the fact that I wouldn't be buying my first Apple product, the guy put me on hold and came back asking me what I wanted. I said the laptop that was 1,099...he approved me for 1,300.

 

I would recon and tell the rep specificallwith at you want to buy it with no interest financing for Christmas. YMMV, but I think you have a shot with FICO above 600 this time of year.

I'm Spartacus!

hr>Starting Score: EQ 546, EX 547, TU 580
Current Scores (lender): EQ 725 , EX FICO 720, TU 737 FICO scores>
Goal Score: 750
Take the FICO Fitness Challenge
Highlighted
Valued Contributor
Posts: 2,992
Registered: ‎02-09-2012
0

Re: Apple Barclay/Juniper denied, denied, denied


CreditCrusader wrote:

Mike360 wrote:

Ron1 wrote:

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.


I'm pretty sure the OP wouldn't get approved for one. The Best buy card is probably the best one to get when it comes to financing apple products.


With all due respect, I'm pretty sure you are dead wrong...and the reason I know this is I was approved from the Barclay Apple Visa with a 616 TU, a recent BK, and 50%util

 

To the OP, here is the key with Barclay Apple and recons: They very badly want you to buy the Apple stuff. When I first reconned, they said no. When I lamented the fact that I wouldn't be buying my first Apple product, the guy put me on hold and came back asking me what I wanted. I said the laptop that was 1,099...he approved me for 1,300.

 

I would recon and tell the rep specificallwith at you want to buy it with no interest financing for Christmas. YMMV, but I think you have a shot with FICO above 600 this time of year.


^^^This

 

I was denied at first, and called in to recon.  Advised that I wanted to buy an apple product (I really didn't), and I was approved for 1k (they matched my highest Seecured card limit) and have since given me a $1200 auto-CLI and I've only had the card now for 6months.

5/2012: 560 credit scores across the board
12/2014: 750+ scores across the board
Get those baddies removed!!!
Established Member
Posts: 15
Registered: ‎10-16-2010
0

Re: Apple Barclay/Juniper denied, denied, denied

Dang that's déjà vu for real, that was exactly the way I was approved on Friday. I was denied Thursday morning instantly then I called that evening for a recon, Denied. That next morning I called again and spoke with a rep and explained my bk story of why I did it and told her I was interested in a laptop. So she asked how much I wanted to spend and she countered with $2000 rather than the $4000 I asked for. So doing a recon is definitely possible. Good luck to you!


Starting Score: EQ 425 (Discharged Ch. 7 BK 11/16/2010)
Current Score: EQ 600/TU 677/EX 663 (All Lender Pull 11/10/2012)
Goal Score: 700 Cross The Board


Take the FICO Fitness Challenge
New Member
Posts: 6
Registered: ‎12-17-2012
0

Re: Apple Barclay/Juniper denied, denied, denied

I applied for this card a little over two weeks ago w/ instant approval of $700 CL and my scores are slightly above 600 but no idea with the util was though. The card is OK but the interest rate on non Apple purchases is outragous...I think 22%. Needless to say I'm only using this card to pay off my iPad ($593 w/ tax) and I've already paid $100 on the card before my first statement. I do like that its 0% on the first 12 months on purchases $500+ and I plan on paying off the card in abt 6 mos or so.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

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 internal myFICO analysis of 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. These ranges were not provided by any card issuer.

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.