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Frequent Contributor
Posts: 350
Registered: ‎07-13-2012
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Barclays application process.

Im interested in the arrival card but already got denied due to too many new accounts. Could my wife apply for this card using my income? She is and will be unemployed for atleast the next 6 months because we are about to have a baby in the next few weeks. Is this wrong to do? The 2x is what im interested in primarily for bills. and as an everyday card. seeing as the CSP is limited on 2x points. Any insight?

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
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Re: Barclays application process.

It's 2% only for travel redemption, 1% if cashback. Does the app state household income or personal?

Apply over the phone and tell the rep her household income is xxxx. See if that's ok I suppose
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Moderator
Posts: 27,207
Registered: ‎09-13-2012
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Re: Barclays application process.

When they ask for the employment info, what is she gong to say? Your employer?
Frequent Contributor
Posts: 350
Registered: ‎07-13-2012
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Re: Barclays application process.

I thought the arrival w. the af gets 2x points on everything and a 10% kickback when using statement credit towards travel purchases. I may just have to wait then because she wont have anything to put in the employer section. 

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Frequent Contributor
Posts: 390
Registered: ‎03-24-2013
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Re: Barclays application process.

To use your income, you pretty much have to joint apply. Lying about income can have some bad consequences. Is there a reason you don't want to attempt a joint application?

 



|| Barclaycard Rewards Visa $5500 || AMEX BCE $2000 || Discover IT $3000 || Amazon Rewards Visa $1800 ||
|| Chase Freedom $2700 || CSP $5000 || Chase Marriott Premier $7500 || Sallie Mae MC $3800 ||

FICO Scores: EX 752 (3/13/13) || EQ 782 (10/4/13) || TU 724 (1/18/13)

In the garden as of 10/12/2013
Frequent Contributor
Posts: 350
Registered: ‎07-13-2012
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Re: Barclays application process.

well i didnt even know that was an option. when i appd it asked if i wanted to add another card member but i think they only asked for the name and maybe the d.o.b. i will see if i can find it on the app.

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Frequent Contributor
Posts: 390
Registered: ‎03-24-2013
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Re: Barclays application process.

Call them if you can't figure it out and maybe someone over the phone can point you towards how to do that.



|| Barclaycard Rewards Visa $5500 || AMEX BCE $2000 || Discover IT $3000 || Amazon Rewards Visa $1800 ||
|| Chase Freedom $2700 || CSP $5000 || Chase Marriott Premier $7500 || Sallie Mae MC $3800 ||

FICO Scores: EX 752 (3/13/13) || EQ 782 (10/4/13) || TU 724 (1/18/13)

In the garden as of 10/12/2013
Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
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Re: Barclays application process.

[ Edited ]

b_seeker wrote:

To use your income, you pretty much have to joint apply. Lying about income can have some bad consequences. Is there a reason you don't want to attempt a joint application?

 


this is what i meant. couldn't get my thoughts straight. you should call in and ask though. some banks let you use household income, but like lexie said.......if they want paystubs or tax docs, that can get tricky. if in doubt, call and ask their CSRs.

 

I called barclay yesterday and they explained. 40k miles = $200 cashback, or $400 worth of travel expenses.

so if u want cashback only, this is just a 1% card.

if you don't mind redeeming for travel expenses, its 2% card.

 

there're other better cashback cards that offer higher percentages, such as the cash+, but if u were denied by barclays, i wouldn't recommend you try anything else either for the time being.

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
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Re: Barclays application process.

The Barclays Rewards card gives 2% cash back on gas, groceries, and utilities all the time. Maybe you were thinking of that one?
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
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