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Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Barclay's Bank CC?

Some posts recommended Barclay's CC. I'm not familiar with them, so I would really appreciate knowing about your experiences..

 

Are they relatively easy to get approved or do they have stringent standards?

 

My EQ FICO is about 670 and TU is about 700.. but if I pay off my low CC balances, according to the score simulator, my score will go up about 30 points or so. I'm just rebuliding my credit so I don't have a very long credit history at this point.

 

Do they have a good rep, or are they on the low end, like Cap One?

 

I took a look at their website and they seem to have a gazillion different CCs... are any easier to be approved for than others?

 

Thanks!

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Established Contributor
andre181
Posts: 628
Registered: ‎07-29-2010
0

Re: Barclay's Bank CC?

[ Edited ]

They are a decent bank to deal with. I have their Apple Financing Visa.

 

Based on your scores, you would probably be approved, as they pull TU only. If you are denied, most people are able to call them for a reconsideration, and are subsequently approved. Most people are also able to call them and negotiate a higher credit limit if you are unhappy with the limit they give you.

 

Here is a list of the products they offer: http://www.aboutbarclaycardus.com/prodsresource_products.php. I don't think there are any differences between them in terms of credit requirements, but I'm not for sure. Most people here have a lot of luck with their Apple Visa's and The Barns and Noble Mastercard.

Discover IT $25K | FNBO Visa $22K | Citi Forward $14.5K | US Bank Cash+ Visa Sig $15K | Priceline/Barclays $10K | Chase Freedom $10.5K | Amazon/Chase Visa Sig $8.3k | Citi Double Cash $6.5K | BoA Cash Rewards 1-2-3 Sig $7.5K | Sallie Mae World MC/Barclays $5K | Capital One Cash Rewards $5K | Commerce Bank $5K | WF Cash Back Visa $3.6K | Amazon/GEMB $2.5K | Younkers/Comenity $2.4K | AMEX BCE $2K Target $1K | AMEX Green
EX FICO (from AMEX): 754, TU08 FICO (from Discover): 755, AAoA: 3.6 years
Valued Member
Capn12
Posts: 47
Registered: ‎01-15-2009
0

Re: Barclay's Bank CC?

My TU was ~660 when I applied in March of 2010. I had ~40% utilization and 2 inqs.

 

Applied and was approved for $3,000. They have been the best card I have had, so far. Auto-CLIs every 6 months so far, up to $5,000 now with the card being 14 months old.

Citi Simplicity - $7400, 0% APR until April 2013, 13.99 afterwards
Chase Freedom - $5000, 11.99% APR
Barclays Priceline - $8500, 16.24% APR (This needs fixed!)
Discover More - $7500, 0% APR until March 2014
HSBC 'Platinum' - $1600, 19.99% APR (Only around for the age)
AmEx Zync - NPSL, He doesn't get much action these days
Frequent Contributor
tsquad131
Posts: 474
Registered: ‎09-12-2010
0

Re: Barclay's Bank CC?

which card is that?

FICO scores - 727 TU(Walmart)/ 727 EX(Amex app)/ 721 EQ(Discover app)
In My Wallet: BankAmericard Cash Rewards($2,000), Discover More($3,000), Chase Freedom($2,000), Fidelity Amex($1,000), Sam's Club Discover($4,400), SallieMae 5% Mastercard($5,000), Amex BCE($2,000) ,Citi Simplicity($2,000), Paypal SmartConnect($3,100), Walmart Store Card($2,350), Chase Amazon Visa($700), Target RedCard($500), Capital One Cash Rewards($750), Best Buy Store Card($1,900), HHGregg($2,000), Amazon Store Card($1,250),Newegg Preferred Account($2,000), Park West($2,000), BankAmericard Travel Rewards($5,000)
Valued Member
Capn12
Posts: 47
Registered: ‎01-15-2009
0

Re: Barclay's Bank CC?

 

I mean, how can you go wrong with Bill Shatner on your CC?

Citi Simplicity - $7400, 0% APR until April 2013, 13.99 afterwards
Chase Freedom - $5000, 11.99% APR
Barclays Priceline - $8500, 16.24% APR (This needs fixed!)
Discover More - $7500, 0% APR until March 2014
HSBC 'Platinum' - $1600, 19.99% APR (Only around for the age)
AmEx Zync - NPSL, He doesn't get much action these days
Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Re: Barclay's Bank CC?

Thank you for the replies... I'm also wondering if anyone knows which CRA they use.

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Valued Member
Capn12
Posts: 47
Registered: ‎01-15-2009
0

Re: Barclay's Bank CC?

TransUnion, almost exclusively, from my experience and others I've read.

Citi Simplicity - $7400, 0% APR until April 2013, 13.99 afterwards
Chase Freedom - $5000, 11.99% APR
Barclays Priceline - $8500, 16.24% APR (This needs fixed!)
Discover More - $7500, 0% APR until March 2014
HSBC 'Platinum' - $1600, 19.99% APR (Only around for the age)
AmEx Zync - NPSL, He doesn't get much action these days
Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Re: Barclay's Bank CC?

Does anyone know if they will approve with an unpaid collection from 2005?

 

Thanks! :smileyhappy:

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Frequent Contributor
dookdig
Posts: 332
Registered: ‎04-08-2011
0

Re: Barclay's Bank CC?

I got instant denied but called for recon and get approved in less than a minute. It must have been easiest recon EVER.

They pull TU only and I live in NY.

Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Re: Barclay's Bank CC?

William Shatner's great :smileyhappy: ...But it looks like their different cards have different benefits or rewards, so I'm wondering if some are easier or more difficult to get approved for. I'd really hate to get an inquiry only to be declined... especially with a short cr history.

 

Thanks! :smileyhappy:

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!


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