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Established Contributor
okstatefan5945
Posts: 517
Registered: ‎04-13-2009
0

Barclay Financing Visa Card ??

Hello all. I am trying to find people who either have or have applied for a Barclays card. I am particularly looking at the Barclay Financing Visa card that they have linked on the Apple store. If you have applied for the card I would appreciate if you could tell me which report they pulled if you know, your score when pulled, approved or denied, and your starting credit limit. I know there are other varying factors I just want to get an idea. I need a new laptop for school and I would love to get an apple. I cant pay it all today but definately could pay it off well before the 0% ran out.

 

Thanks

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2011 Credit Goals
1. No Lates
2. Join the 700 club
3. No inquiries
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Senior Contributor
score_building
Posts: 3,579
Registered: ‎01-10-2008
0

Re: Barclay Financing Visa Card ??

If you haven't yet also check to see what kind of financing your school may offer, I got 24 mos financing on a macbook pro.

FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Frequent Contributor
Lexa
Posts: 306
Registered: ‎12-30-2008
0

Re: Barclay Financing Visa Card ??

Pulls TU. Pretty easy to qualify for. You have to have credit history though

Super Contributor
MidnightVoice
Posts: 8,161
Registered: ‎03-25-2007
0

Re: Barclay Financing Visa Card ??

TU puller, used to be very easy to get and highish CLs, but I think they have tightened up recently.

 

Few auto CLIs for DW and I, but CL has gone up evey year.

 

Good potential fraud detectors

 

Never had a major problem with them

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And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Regular Contributor
Iincognito
Posts: 181
Registered: ‎04-21-2010
0

Re: Barclay Financing Visa Card ??

Applied last week...

 

Instant approval for $1490.00 CL. Called recon and explained that I was going to use it as a revolving cc and not to finance a new apple purchase; they raised the CL to $4000.00. TU score was 767; one 30-day late ~1.4 years ago; 5 inquiries...

Current Scores (as of 04/22/13): EQ FICO=795; TU FICO =766; EX =763

BankAmericard Cash Rewards ($20,000) | Amex Platinum (NPSL) | Amex Clear ($20,000) | Amex Blue Cash ($2,500) | Chase Freedom ($11,000) | PenFed Platinum Cash Rewards ($5,000) | Barclaycard Apple ($5,000) | Discover More ($6,500) | BankAmericard Cash Rewards [Authorized User] ($15,000)
Member
mojoch7
Posts: 6
Registered: ‎05-10-2010
0

Re: Barclay Financing Visa Card ??

I just applied for the card and got approved for $600.  I am only 10 months post-discharge on a Ch 7 BK due to business failure but have gotten my TU score up to 680 already thanks to listening to the folks on this site.  Going to call recon tomorrow based on lincognito's post and see if I can get a higher CL.  We'll see how it goes....


Starting Score: 542
Current Score: 670
Goal Score: 750


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Regular Contributor
hyprble
Posts: 168
Registered: ‎11-05-2008
0

Re: Barclay Financing Visa Card ??

[ Edited ]

Hello,

 

I applied for the Barclay's financing Visa in hopes of getting 12 months to pay off my new iMac.

Scores were as follows:

- TU (fako through creditkarma) 759

- EQ (at the time) 713

AAoA about 7 years

Debt to credit 38%

no lates or negative tradelines, 0 inquiries in the last year (1 inquiry after they pulled this one)

 

I qualified for $500 which was only good enough for 6 months interest free.  (definitely the lowest amount of all my cards)  In retrospect I wish I never applied because I didn't want to drop my AAoA and don't need any new cards - not to mention the unnecessary inquiry ding!  Anything I can do with this card after I pay off the $490?  Product changes, etc?


Starting Score: 557 (2005)
Current Score: 803
Goal Score: 805


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Valued Contributor
ngerasimatos
Posts: 1,278
Registered: ‎06-01-2007
0

Re: Barclay Financing Visa Card ??

I was approved as well, though I had to speak with a CSR as I have a fraud alert on my report. Here is the recon number if you end up needing it.

 

866-408-4064

 

 

Try not to become a man of success but rather to become a man of value
Albert Einstein 1879 - 1955

700 Club
Valued Contributor
ngerasimatos
Posts: 1,278
Registered: ‎06-01-2007
0

Re: Barclay Financing Visa Card ??

Are you sure you want a Mac for school? Most applications and such dont work with OSX. You may end up running a virtual machine most of the time just to get your school work completed. 

 

Just saying...........

Try not to become a man of success but rather to become a man of value
Albert Einstein 1879 - 1955

700 Club
Regular Contributor
Iincognito
Posts: 181
Registered: ‎04-21-2010
0

Re: Barclay Financing Visa Card ??

[ Edited ]

hyprble wrote:

Hello,

 

I applied for the Barclay's financing Visa in hopes of getting 12 months to pay off my new iMac.

Scores were as follows:

- TU (fako through creditkarma) 759

- EQ (at the time) 713

AAoA about 7 years

Debt to credit 38%

no lates or negative tradelines, 0 inquiries in the last year (1 inquiry after they pulled this one)

 

I qualified for $500 which was only good enough for 6 months interest free.  (definitely the lowest amount of all my cards)  In retrospect I wish I never applied because I didn't want to drop my AAoA and don't need any need cards - not to mention the unnecessary inquiry ding!  Anything I can do with this card after I pay off the $490?  Product changes, etc?


Hi hyprble,

 

I applied for the barclaycard financing Visa a few months ago and was instantly approved for a $1490 credit line; I called recon and was approved for $4000. You might want to call to see if they can do anything for you.

 

 

Current Scores (as of 04/22/13): EQ FICO=795; TU FICO =766; EX =763

BankAmericard Cash Rewards ($20,000) | Amex Platinum (NPSL) | Amex Clear ($20,000) | Amex Blue Cash ($2,500) | Chase Freedom ($11,000) | PenFed Platinum Cash Rewards ($5,000) | Barclaycard Apple ($5,000) | Discover More ($6,500) | BankAmericard Cash Rewards [Authorized User] ($15,000)

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