Hi everyone , i am LITERALLY SPEECHLESS right now .... i cant explain it at all but i am some kind of Barclays anomoly ?! So i filed for chapter 7 10/2013 , i have like 11 or 12 inquiries on all bureaus and have for like a year or so .. I got lucky after my discharge and was able to get quite a few cards in my portfolio , i was excited and trigger happy lol , anyway getting off track , but i just hit my 6 month mark with my two barclays cards i was approved for in december , which i NEVER thought i would be approved for EITHER , i had gotten the reward at 250 and the Apple at 1500 ! on my 6 month mark a couple weeks ago they bumped my reward to $1000 ! which i thought was great from 250 esp when i also have some new inquiries and accounts since then, i was like what is going on, i shouldnt be approved with them at all w my inquiries ! My apple stayed at 1500 tho ..... WELL , just now , i reluctantly couldnt help myself and was pretty sure i would regret applying , i applied for thier Williams Sonoma Visa , and Um whattttt ?? Was approved for $5 K !!!! Its already listed under my cards instantly w them . I just cant even figure out why they like me ????? Is this not bizarre or what ?!!
Starting Score: 590Wow and talk about fast credit sesame just sent me an inquiry alert and it was them already ?! From like my app 30 minutes ago , dont think i ever got one THAT fast ..... they pulled TU
@Anonymous wrote:My TU score was 800 when I apped for the Sallie Mae, and I had to recon and transfer the limit from another card to get approved. It ain't just about the score.
It most definitely isn't.
I got a $4500 instant approval in December for Sallie Mae with a 666 TU. No new acounts and no inquiries for a year.
I also had 16 months history with a $2200 Apple card. I transferred the limit over and closed the Apple... my $6700 Sallie Mae is my go to card. Hoping for a 7 month auto CLI in a few weeks. I didn't get one at 6 months but there have been reports that 7 months is also a common date so we'll see.
Well .... i am a total Barclays anomoly so i dont know !! In my case i would say apply 100 % cuz i have THREE barclays cards now and here was my scenario ..... was approved for Barclays rewards at 250.00 back in december and Barclays Apple also in december at 1500.00 and my scores were all barely 600 then , discharged ch 7 in Feb of 2014 , and like over a dozen inquiries ! I know , i was shaking my head too ..... and if that wasnt wierd enough i was approved for thier William Sonoma visa for 5000K last month !!! and i have like 13 or 14 inquiries, like 75% utilization and scores all hover around 630 now. So u got me as to what they look for ! I say go for it ..... AND they auto CLI my rewards at 6 months just recently to 1000.00 and my Apple at 7 mos just last week to 2400.00 
When i was approved for the 2 back in december definately like 11 or 12 and when i was approved for the WS Visa at 5 K which is my highest credit line now ?! Like 13 or 14 cuz i bought furniture since then which added inquiries ..... I dont even shop at WS i used the card to buy new kitchen cabinets actually ..... now i need to be a gardener for like EVER ! Good luck i hope you get it 