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Barclays Cards

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injustifiiable
Valued Contributor

Re: Barclays Cards

To answer your question...

 

When I apped for the Rewards card:

 

  • TU 645
  • 3 PR's, 2 paid, 1 unpaid
  • 1 old charge off (approaching 6.5 years), 1 open collection from Midland
  • Several new accounts between 2012 and 2013, AAoA is around 2 years, oldest accounts are student loans that I opened in college.
  • 12 inquires over two years (I think about 6 of them are around a year old, maybe less)

I was "pre-qualified" online, by the way.

 

Got approved for a second card about a month after, albeit with a slightly smaller limit. This was also a "pre-qualified" offer.

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 11 of 22
Shelly313
New Contributor

Re: Barclays Cards


@injustifiiable wrote:

To answer your question...

 

  • TU 645
  • 3 PR's, 2 paid, 1 unpaid
  • 1 old charge off (approaching 6.5 years), 1 open collection from Midland
  • Several new accounts between 2012 and 2013, AAoA is around 2 years, oldest accounts are student loans that I opened in college.
  • 12 inquires over two years (I think about 6 of them are around a year old, maybe less)

Got approved for a second card about a month after, albeit with a slightly smaller limit.


12 inquiries on the TU?  I would wait till some fell off and let your new account age for at least 9 months.

Started Gardening 4/3/2014

Current Score: (04/2014) EX: 629 I TU: 650 I EQ: 654

In my Wallet:
Barclays NFL: $2000 I VS: $700 I Discover: $1600 I AU: Amex ED $2000
Message 12 of 22
Code10
New Member

Re: Barclays Cards

Because it's one of the best card to have. And i just got approval for the barclaycard arrival world mastercard on 4/1/2014 and they puul transunion wish my score was

724.

Message 13 of 22
AzaleaB
Established Contributor

Re: Barclays Cards

I got my Barclays rewards card  for "Fair credit" with a credit score of 630 (MyFico EQ), an AAoA of < 2 years (at that time before an Amex MSD update),  no inquiries on any of the reports and no lates or baddies -  Barclays does pull TU. It was my first rewards card and there's a rewards boost also for 8x, 10x, etc. I am not sure when/why it pops up but I have it now all the time. You also get your free TU score from Barclays as well. I read a post somewhere on this forum that indicated that Barclays likes to see a a full year of on-time payments. 


Starting Score: EX:570, 8/2011
Current
Scores(8/30/18):
EX08:850; EQ08:850,
TU08:847
Inqs(12 mo): EX/0, EQ/0, TU/0
Goal Scores: 800+
My Cards: BoA Rewards: 30K, Discover IT: 50K, Arrival : 13.3K, CDP: 30.1K, Amex PRG, Amex ED: 22.5K, Amex BCP: 20K, FU: 21K, CSR: 35K, Amazon Store: 20K, Macys:10K, Diners Club:40K
Message 14 of 22
avggoal700
Frequent Contributor

Re: Barclays Cards

Mmm I'm waiting for next year to apply for some credit unions CC's, I'm taking my credit building real slow.  This thread makes barclay seem like a easy get, might have to keep that in mind for later.  Also TU is my lowest score at moment, not that any of them are great anyway.




EX 706. TU 705 EQ 682. Avg 698
Message 15 of 22
bfranklin825
Valued Member

Re: Barclays Cards

So I just got the Choice Privileges Card after having run wild on an app spree getting maybe 10 cards... this is my first Barclays card. They gave me a whopping $250 limit!! This is the lowest limit I have ever had, even when my credit was terrible and I had a bad-credit cards. I guess I'm lucky to even get it after 12 inqs on my report and 10 new cards in the past 5-6 months. 

 

What doesn't make any sense to me is the fact that I applied with Barclays early on in my app spree and they denied me (was probably for some other card of theirs) and at the end of my spree, after having so many hits to my credit, the approve me? Oh well, at least my foot is in the door with them!

 


Starting Score: 667
Current Score: 719
Goal Score: 750


Take the myFICO Fitness Challenge
Message 16 of 22
Shelly313
New Contributor

Re: Barclays Cards


@bfranklin825 wrote:

So I just got the Choice Privileges Card after having run wild on an app spree getting maybe 10 cards... this is my first Barclays card. They gave me a whopping $250 limit!! This is the lowest limit I have ever had, even when my credit was terrible and I had a bad-credit cards. I guess I'm lucky to even get it after 12 inqs on my report and 10 new cards in the past 5-6 months. 

 

What doesn't make any sense to me is the fact that I applied with Barclays early on in my app spree and they denied me (was probably for some other card of theirs) and at the end of my spree, after having so many hits to my credit, the approve me? Oh well, at least my foot is in the door with them!

 


that would do it.  if you use them frequently they are good about CLI 5-6 months after use. i went from 500 to 2k in 5 months.

Started Gardening 4/3/2014

Current Score: (04/2014) EX: 629 I TU: 650 I EQ: 654

In my Wallet:
Barclays NFL: $2000 I VS: $700 I Discover: $1600 I AU: Amex ED $2000
Message 17 of 22
ACsteel
Frequent Contributor

Re: Barclays Cards

Barclays also is pretty good at adding bonus rewards every few months where you will gain double the points on certain purchases in addition to the bonus you already receive.

Message 18 of 22
meehan22
Frequent Contributor

Re: Barclays Cards

its my first rewards card since my bad credit problems many years ago. 

 

I love getting points and cash back on my purchases. 

 

I was approved with a 702 TU MyFico score. 1 paid tax lien (from 2007) and 9 paid judgments. (from 2007, 2008)


Wallet: Chase $6,000 - Discover $1,500 - Walmart $2,200 - Voyage FCU $1,300 - Zales $2,300 - Elan Fin: $12,500(AU, reporting) - Chase $8,500 (AU, reporting) 1% UTL
Message 19 of 22
FlawlessShineAutoSpa
Established Contributor

Re: Barclays Cards

Hello corymcd88 -  I was checking your post made in March about Barclay's... Wondering if you applied.. If so.. What was the outcome? Continue your Success in The World of Credit Cards!

American Express Blue Cash Everyday $2000 •• Cap1 Venture One $10K
Barclaycard Rewards Mastercard $1500 •• Chase Freedom Visa $3500
Cap 1 Quicksilver Visa $5000 •• Cap 1 Quicksilver Mastecard $2000
Syncrhrony $1500 •• Citi Double Cash $1700 •• Cap1 Spark Classic $2000
Credit One Visa $500



Message 20 of 22
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