Reply
Established Contributor
2NE1
Posts: 990
Registered: ‎12-06-2011

Barclaycard ?

 

I'd like to apply to a Barclaycard. When I went to their website I notice that there are two different color cards, WHITE and BLACK.

 

Does anyone have any experience with either one or both? which would you suggest? I'd like to purchase an iPad, which I assume what the WHITE card's for? I also wouldn't mind the $25 gift cards that the BLACK Rewards card gives you. Which CRA will they be pulling?


Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620
Take the FICO Fitness Challenge! | Diamond Spade Garden Club Member: App free since 7/2012
Senior Contributor
john398
Posts: 3,512
Registered: ‎01-19-2009

Re: Barclaycard ?

They should pull TU

the white one is for the no intreastr for 6 or 12 months

the black iTunes card is for iTune rewards

Moderator
pizzadude
Posts: 8,643
Registered: ‎01-28-2010

Re: Barclaycard ?

 

They always seem to pull TU.

 

Personally I would recommend the white card if it has better financing/interest rates.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Established Contributor
mAndrew1980
Posts: 707
Registered: ‎08-26-2011

Re: Barclaycard ?

If you want to purchase an Apple product, get the white card. They offer 0% financing for 6-months and 12-months, depending on purchase price. I love my Barclay's.

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



Established Contributor
Smug
Posts: 961
Registered: ‎12-21-2010

Re: Barclaycard ?

Love white barclaycard.
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Super Contributor
CS800
Posts: 6,548
Registered: ‎04-07-2008

Re: Barclaycard ?


mAndrew1980 wrote:

If you want to purchase an Apple product, get the white card. They offer 0% financing for 6-months and 12-months, depending on purchase price. I love my Barclay's.


+1

 

They pull TU




Contributor
jrodzmc09
Posts: 81
Registered: ‎07-02-2012

Re: Barclaycard ?

I just got approved for the the Barclaycard Financing Visa.. but my mission was to get the black one. Called them as soon as I realize it had the wrong one in order to get a product change. They turned me down on that!. Said I could apply for the iTunes card if I want it to get that one. I just laugh! So make sure you get the card you actually want. Since I don't plan on purchasing anything big to take advantage of the financing deals its a waste.
USAA PLATINUM MC: $9.5k | CHASE SAPPHIRE PREFERRED: $5k | NFCU FLAGSHIP REWARDS: $5k | USAA VFW REWARDS: $4k | BARCLAYS FINANCING VISA: $2.3k | CHASE AMAZON REWARDS: $2k | DISCOVER IT: $1k | AMEX BCP: $1K | PAYPAL SC: $1.3k | MACYS: $1.2k | EXPRESS: $600 | NFCU LOC: $2.5k | NFCU AUTO LOAN: $21k
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: Barclaycard ?

If you dont mind sharing what was your fico and did you have any baddies? Congrats btw

Valued Member
Poet34
Posts: 34
Registered: ‎10-18-2009

Re: Barclaycard ?

They pulled EQ for me in Ohio.

My Wallet: Capital One $673, Barclay's Apple $2k, Amex TrueEarnings Costco $6k, Chase Freedom $5k, Discover More $15k
Contributor
jrodzmc09
Posts: 81
Registered: ‎07-02-2012

Re: Barclaycard ?

Thank You! Sad that I really don't have any use for this card right now. I don't really know what they pulled off yet, but I have a EX & EQ: 667 TU:671. Just got approved a few hours ago with a CL: $1,200. I do have baddies. Forclosed home loans do to come off DEC 2013. Two paid off charge off accounts. 1 Collections account on each CRA. Yep so baddies I do have. You should be fine.

USAA PLATINUM MC: $9.5k | CHASE SAPPHIRE PREFERRED: $5k | NFCU FLAGSHIP REWARDS: $5k | USAA VFW REWARDS: $4k | BARCLAYS FINANCING VISA: $2.3k | CHASE AMAZON REWARDS: $2k | DISCOVER IT: $1k | AMEX BCP: $1K | PAYPAL SC: $1.3k | MACYS: $1.2k | EXPRESS: $600 | NFCU LOC: $2.5k | NFCU AUTO LOAN: $21k

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+