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I applied for a Barclay's Awards Visa over a year ago, was too soon after Chap. 7 Discharg and was declined. Since it's been over a year I was thinking of trying again. I noticed the preapproval link is gone and there is no option for this anymore. Question is I read they only pull TU, and well TU is my lowest score currently 604 FICO, EXP and EQ are 624 and 635 currently.
I'm thinking that 604 is too low and they might reject me and really do not want another inquiry unless it pays off.
Yup they usually still pull TU. There are times where they have been known to pull EX too like on their Barclays Apple Visa and stuff like that.
Barclay's pulled from TU for my Rewards Mastercard.. How many INQ have you acquired since your decline over a year ago
If they only pul TU, I feel like my chances will be slim at 604. My TU credit report only shows two inquires since denial in August 2013. Last one was Merrick who approved me.
@Insoc wrote:If they only pul TU, I feel like my chances will be slim at 604. My TU credit report only shows two inquires since denial in August 2013. Last one was Merrick who approved me.
'Fraid so, friend. Chances are slimmer than the sheet of paper the denial letter will be printed on.
Yup, they pulled TU for both my cards. The second card (Arrival+WEMC) was initially declined with a 693, approved on recon. First card (Rewards) was auto-approved around 660.
Unfortunately, as generous as they are, I don't think a 604 will work for them.
Cap1 pulls all three, so you just gave yourself another ding for your TU report. http://ficoforums.myfico.com/t5/Credit-Cards/Capital-One-Approval-Status-Sent-in-Mail-Denial/td-p/35...
I tried with them several times. First when I was at 593, then 628, I only got one when my score got to 685 on TU. And that was after I got my baddies deleted.
Prolly not.
They've only pulled TU for me.