cancel
Showing results for 
Search instead for 
Did you mean: 

Apple Barclay - approved for too little

tag
kimmiller112
Frequent Contributor

Re: Apple Barclay - approved for too little

You are either going to have to wait six months and try for a CLI at that point or finance part of it, using a debit card or another credit card for the the rest.  The nice thing about Apple is that you can use multiple sources for payment.  

Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - Chase Saphire Preferred $5000 - Discover It $6000 - Barclays Sallie May $2700 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $500-$9500
Message 11 of 18
vish1
Valued Contributor

Re: Apple Barclay - approved for too little


@MuadDib wrote:

Anybody else have any input on requesting an increase?


Barclay--- As conservative as they are, I will be really surprised if you could find a way to get a CL increase. The approval itself with 3 cards in a year is a great thing.

 

For atleast 6 months now, don't apply any new credit, or you may actually risk a Barclay recall.

 

Citi Hilton Reserve 22.3K | Citi Thank You 8.2K | CSP 15.5K | Chase Freedom 10K | Chase BA 15K | Chase United 8.5K | Chase Marriott 5K | Discover IT 9K | Club Carlson 13K | Amex SPG 20K | BofA Cash Rewards 11K | BofA Cash Rewards 50K
Message 12 of 18
TheConductor
Established Contributor

Re: Apple Barclay - approved for too little

They did exactly the same for me...asked for $4300, got $2000.

 

I told the guy on recon line "I'll just put the whole laptop on debit if you guys prefer it that way; ability to pay is not an issue here." And he said "Good for you, your limit is still $2000."

 

Considering my highest other limit at the time was $500, I still chalked it up as a win.

 

As noted above, you can always finance part of the rMBP, or do what I did....buy it cash, and then use the Apple Visa to 0% finance a new iPad.  Smiley Happy

Starting: EQ 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12), Total CL $1k on 2 TLs
Current: EQ 709 (CCT 2/4/15), EX 704 (CCT 2/4/15) , TU 702 (CCT 2/4/15), Total CL $110.3k on 14 TLs Goal: 740+ x3
My Wallet: Amex BCP $30k, Chase United Explorer $16k, Amex SPG $13.5k, Barclaycard Ring MC $12.5k, Chase CSP VS $12.2k, Discover it $10.5k, C1 Venture VS $6.5k, Chase Slate $3.5k, Amex Hilton Surpass $2k, Barclaycard Apple V $2k, Chase Freedom V $1100, BoA Cash Rewards V $500, Citi BestBuy $500
My Loans: Prosper $25k/36mo, Prosper $17k/36mo
My Business: Chase Ink VS $5k, Amex BRG NPSL (> 10k),
Message 13 of 18
jsickz32
Valued Contributor

Re: Apple Barclay - approved for too little

Same with me i was only approved for 1300 so i paid 1300 with the apple card and paid cash the rest.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 14 of 18
nicholasyud
Valued Contributor

Re: Apple Barclay - approved for too little

Try one more time and ask for supervisor if needed 

stay with it and go with what you had if they turned you down Again.

Maybe the charge off freak them out.

GOOD LUCK !!!!!!!!

Starting Score: 560
Current Score: ?
Goal Score: 800
Message 15 of 18
MuadDib
New Member

Re: Apple Barclay - approved for too little

$3500

 

 

 

 

Man Very Happy

Message 16 of 18
injustifiiable
Valued Contributor

Re: Apple Barclay - approved for too little


@MuadDib wrote:

$3500

 

 

 

 

Man Very Happy


That's cool..it worked out!

 

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 17 of 18
MuadDib
New Member

Re: Apple Barclay - approved for too little

Yes, this time I got a girl on the line and I just flirted with her a little.

 

 

Haha, J/K.

 

 

 

ok, maybe a little.

 

 

 

Edit:  Thanks everyone for your input!!  Glad some of you were wrongish.  Man Tongue

It all boiled down to my convincing her that I was doing a good job of managing my money, being more responsible, and building my credit back up.

Message 18 of 18
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.