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Apple Barclaycard

Valued Contributor

Re: Apple Barclaycard

i got this card with 1300 cl maxed it same day i got the card buying a macbook pro and let it report, paid 100 monthly for 6 months and asked for a cli at the end of the 6th statement. so i dont think they cared

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Established Member

Re: Apple Barclaycard

So after seeing that this was a good card for people right out of BK I decided to apply. I have never filed for BK. I have several baddies from 2006-2007 but a perfect history since and several cards in good standing and about 50% utilization. I was shocked that I was denied. In 2006 I burned Barklays is that perhaps why? 

 

I don't know but considering the low FICO's people are getting approvals with for this card it was suspiring. 

 

My TU Fico is 620, EQ is 630

 

 

Frequent Contributor

Re: Apple Barclaycard

The same FICO with BK ad without BK is not the same for lenders, they usually don't like a BK on your CR, and on top of that you burned them in 2006 it might have been a factor on thier denial.

Gardening since 03/25/2016. Discover FICO 705 (4/21/16).
Discover It 2000, Barclay Ring 7100, Capital One QS 7000, Amazon sc 6000, Chase AARP 2500, Barclay Rewards 500
Established Member

Re: Apple Barclaycard

I never have filed for BK or have a BK on my CR, but when I called they said they were denying due to high balances. The rep said they like to see under 30% utilization. I'm at 60 if you look at all my cards. So maybe ill try again in 6mos
Member

Re: Apple Barclaycard

Im planning to buy a mac book pro but im afraid to apply again to barclay credit card for apply, since im recently applied to amex what is the best time to apply on BARCLAY CREDIT CARD: 

 

FICO: 655

Moderator Emerita

Re: Apple Barclaycard

@totallymytravis

When you say you burned Barclays, was it a CO? Also, its always best to app when your util is less than 20%
Contributor

Re: Apple Barclaycard

do they pull tu?

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Moderator Emerita

Re: Apple Barclaycard

Contributor

Re: Apple Barclaycard

what does your score need to be? only at a 615 have no credit cards

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Valued Contributor

Re: Apple Barclaycard

Yeah 0% APR is nice and all, but its going to hurt your Utilization, if your going to end up maxing it out and being able to pay it off over the 3 months, dont go out applying for more cards until you have had a Utilization less than 30% for at least 6 - 12 months. 



I realized i am still young and still have many years to achieve whatever i want.