10-05-2012 04:31 PM
From how many approvals I've seen, probanly the apple financing Visa.
What are your scores, how are your reports? Any negs?
I agree, this is one of their close to sub-prime cards but getsyou in the door with them.
10-06-2012 07:49 AM
+1 Apple Financing. A lot of the approvals come on recon, so call them up after you apply if it's not an instant approval.
Don't be afraid to ask for a larger limit than anything you currently have. When I apped for mine I told the credit analyst I was planning to buy the latest top of the line Macbook Pro and asked for $5000. They gave me $2000, but considering my highest limit at the time was $500, I considered that a solid win.
So they're pretty generous with credit lines, even if you don't get exactly what you ask for.
10-06-2012 01:35 PM
I would say the apple visa but only because of popularity among posters. I don't really know about their criteria.
10-06-2012 01:42 PM
Honestly, I don't think Barclays underwirting varies wildly from product to product. I would just pick the one you want and go for it.
They seem to be pretty good about recons from what I've read around here as well
10-06-2012 01:58 PM - edited 10-06-2012 02:00 PM
does she need the card now?
id wait until the repo falls off.
and try to pfd or gw those collections. they still hurt after 5+ years but affect it less then they would of if they were brand new.
edit: also does barclays have a preapproval site?
|Current: Discover Fico 689 8/14 Walmart Fico 689 9/14|
Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/05/2014
|Amex Zync(Unicorn) |
Citi Diamond Preferred$6000
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