Barclay Online Pre-Approval Check Out There?

[FinStar]

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@Mads8 wrote:

I called and they said I have to wait for that letter to come explaining why I was declined... & than I can call back and see what they can do for me 

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At this point, it appears that you may or may not have a marginal chance of approval.  You will need to see what's on the letter to determine whether that would even warrant a reconsideration effort.  More or less, I would have gone with Lexie's previous advice.  While another forum member may have said "yes, yes, yes" this is never a 100% sure thing, and as with anything it's a YEMV situation.

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@09Lexie wrote:
Pre-qualified does not mean an approval. It means that with a sp your information meets their criteria. That being said, it's just a hp and if you want to apply, go for it. No one can give you a definitive answer on whether you'd be approved or not.

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[Mads8]

I know. I'm pretty bummed. I know that they are pretty sensitive to inquiries and they pull TU so I know I shouldn't haven even done it preapproval or not. Now Im gonna garden for a year. I have like 12 Hard inquiries on TU so Barclays is out of the question for me. Thanks for the advice guys. 

[thelethargicage]

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Congratulations

You're pre-qualified for this Barclaycard offer.

Barclaycard Rewards

• Earn 2 points per $1 spent on gas, groceries and utilities*
• 1 point per dollar on all other purchases*
• 0% intro APR for 12 months on Balance Transfers and Purchases. After that, a variable APR, currently 14.99%
• No Annual Fee*

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Rewards Card for Excellent credit.  Anybody know if this card is available as World MC?

[myjourney]

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@Mads8 wrote:

I got the message saying my applications needs further review....

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No no no sorry to hear this 

Wait on the letter and hopefully it's something you can correct.

[NYFan63]

I got this:  Based on your information, these products might interest you" and shows the Barclays Rewards Aspiring Prime.  My TU is 659, Exp 636.  I have a BK7 on my CR and have (3) Cap1 CC's, (1) Merrick Bank, (1) Barclays LL Bean and (1) WFB Furn store CC. I am at about 65% Util on these CC's.  Any recommendations would be greatly appreciated.  Thanks in advance.

[Creditaddict]

You called backdoor and they won't manual review until you get letter? I've never heard Barclay not recon.

[jologan79]

I don't understand why I'm not getting any approvals anywhere.

I have high balances yest...but no late pays and only  one charge off that's paid off.

Credit scores in mid 500s. 

What's wrong. 

High balances?

[shane82388]

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@jologan79 wrote:

I don't understand why I'm not getting any approvals anywhere.

I have high balances yest...but no late pays and only  one charge off that's paid off.

Credit scores in mid 500s. 

What's wrong. 

High balances?

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Scores in the 500's? High balances? I think im sensing sarcasm but not sure...If not, those are both huge reasons why...

[longtimelurker]

Also a single charge off, with no late pays, probably doesn't cause a mid-500 score.

Just in case the question is serious: mid-500s is very low.   Even though the scores have a big range up to 850, anything below ~ mid-600s will make it hard to get anything half-way decent.