Barclays Prequal - Is recommended a pre-approval

[Anonymous]

I wouldn't cold app Barclays, not with those scores.  When I applied my scores were north of 650, 4 major credit cards, 4 store cards, 100% on time payments, and AAoA is 5.2 and they declined me because they "wanted to see a stronger credit history." 

[Anonymous]

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@pizza1 wrote:

NOOOOOOO...I told you in private PM, Barclays wants 6 months CC history First!! ugh...why does no one listen to me? I feel like Im talking into the freaking universe!!!

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I listen to you. In fact, I hang on every word.

[pizza1]

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@CreditCuriousity wrote:

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@pizza1 wrote:

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@Anonymous wrote:

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@pizza1 wrote:

NOOOOOOO...I told you in private PM, Barclays wants 6 months CC history First!! ugh...why does no one listen to me? I feel like Im talking into the freaking universe!!!

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You'll need a michrophone lol

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People PM me all the time for advice on rebuilding, but when I tell them what to do, they dont listen!!  Im not giving advice any longer, at lest not in PM's anymore!!!

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Pizza I need advise on many things in life.. Dang it, no PM's ..Shucks

@OP honestly get your scores in the 620-640 range before even considering Barclay's.  Not really sure what is wrong with you credit, but it needs to be addressed.  I might suggest the rebuilding sub-forum for helps with your woes.  Best of luck on your journey to building/re-building.  Especially if you are just out of BK7 as I just looked back in your signature.. Take Pizza's advise minus the store cards as you can see how well she has done in her rebuild.

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hahah, whatever CC, Ill give you advice over dinner at the RITZ!!  LOL...and yes, OP DOES need a store card in his mix when hes able to get one and one that he would use.  We all know that FICO scoresus for different types f credit retail and major and installments. So, OP later down the road should get one store card to add to the mix.

[pizza1]

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@Anonymous wrote:

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@pizza1 wrote:

NOOOOOOO...I told you in private PM, Barclays wants 6 months CC history First!! ugh...why does no one listen to me? I feel like Im talking into the freaking universe!!!

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I listen to you. In fact, I hang on every word.

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LOL...you are sooo funny!!!

[Anonymous]

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@pizza1 wrote:

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@CreditCuriousity wrote:

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@pizza1 wrote:

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@Anonymous wrote:

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@pizza1 wrote:

NOOOOOOO...I told you in private PM, Barclays wants 6 months CC history First!! ugh...why does no one listen to me? I feel like Im talking into the freaking universe!!!

---

You'll need a michrophone lol

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People PM me all the time for advice on rebuilding, but when I tell them what to do, they dont listen!!  Im not giving advice any longer, at lest not in PM's anymore!!!

---

Pizza I need advise on many things in life.. Dang it, no PM's ..Shucks

@OP honestly get your scores in the 620-640 range before even considering Barclay's.  Not really sure what is wrong with you credit, but it needs to be addressed.  I might suggest the rebuilding sub-forum for helps with your woes.  Best of luck on your journey to building/re-building.  Especially if you are just out of BK7 as I just looked back in your signature.. Take Pizza's advise minus the store cards as you can see how well she has done in her rebuild.

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hahah, whatever CC, Ill give you advice over dinner at the RITZ!!  LOL...and yes, OP DOES need a store card in his mix when hes able to get one and one that he would use.  We all know that FICO scoresus for different types f credit retail and major and installments. So, OP later down the road should get one store card to add to the mix.

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I have 4 CC's and I am assuming it would be a good idea to add a store card to the mix since you mentioned it! 

[Anonymous]

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@pizza1 wrote:

NOOOOOOO...I told you in private PM, Barclays wants 6 months CC history First!! ugh...why does no one listen to me? I feel like Im talking into the freaking universe!!!

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I feel you pizza! It's how I feel sometimes too when I read certain threads asking for advice.  Y'all know the ones I'm talking about. The person has already made up his/her mind about an issue but wants someone to tell them "yeah go ahead and do it."

[Anonymous]

they instantly  approved me with a 582 score.. chapter 13 and 1 month of payment history with a $500 sl rewards card. The Pre approval link only gave me a recommend arrival+ card.  Listen to these guys though i only cold app'd because i wante a rewards card to rebuild with.

[ways2go]

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@pizza1 wrote:

NOOOOOOO...I told you in private PM, Barclays wants 6 months CC history First!! ugh...why does no one listen to me? I feel like Im talking into the freaking universe!!!

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This is the Universe talking,   We can't hear you Pizza, til you get  a NASA CC

[Anonymous]

I get the "Congratulations, You're pre-selected for this Barclaycard offer." with the "accept now" button, but no APR is given. Do I need to click "accept now" in order to se the APR?

[Anonymous]

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@CreditCuriousity wrote:

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Pizza I need advise on many things in life.. Dang it, no PM's ..Shucks

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CC, maybe if you take her out for the steak dinner, she will relent.