Reply
Established Contributor
mAndrew1980
Posts: 700
Registered: ‎08-26-2011

Holy Crap APPROVED for Barclay's Apple!!!!

I'm freaking out now guys. I just was just instantly approved for Barclay's Apple on-line with a 1900CL. I'm really at a loss for words. To be honest, I'm getting choked up. I just never thought I could fix my credit. Ever. It seemed insurmountable! But my moment has finally arrived. I'm here! Thank you all SO SO MUCH for giving me a life filled with optomism.

Transunion: 694 FICO (11/17/2013) 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%.



Mega Contributor
Creditaddict
Posts: 16,881
Registered: ‎10-23-2007

Re: Holy Crap APPROVED for Barclay's Apple!!!!

I feel like when you get the first instant approval for a REAL card that kind of leads you out of that rebuild stage it is a wonderful feeling... SUPER CONGRATS!

Fico Scores: EQ 620, TU 675 & EX 703 (4-1-14)
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640
Mine: Navy NavCheck $3000, Kay Jewelry $2700, Pottery Barn $2800, FleetCard MC Biz $1800, HSN $1500, Vitacost MC $1500, Navy Cash $1500 and nRewards $1500, Bill Me Later $772, Cap1 Sony $750, Cap1 Spark $750, Best Buy MC $750, GE 76 Gas $650, Von Maur $600, Cap1 QuickSilver $500, Burbank CU $500, Kohls $300, Target1 $300, Target2 $300, Buckle $250, Express $250, Target3 $200
Moderator
pizzadude
Posts: 8,148
Registered: ‎01-28-2010

Re: Holy Crap APPROVED for Barclay's Apple!!!!

 

Congrats on the approval !!!!

 

Barclay's gives decent CLIs, just call their backdoor number after you have had the card a few months, the credit analysts are friendly and reasonable.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Established Contributor
casmith1980
Posts: 633
Registered: ‎03-20-2010

Re: Holy Crap APPROVED for Barclay's Apple!!!!

congrats!!!!  I'm totally appy for you! 

 

Now get back to the garden!!!!!  :smileywink:

EQ Fico 2009 500's
TU Fico 2009 500's

EQ Fico 04/10/2012 663 (SW alert)
TU Fico 04/13/2012 653 (Walmart)

Goal: 760 by 12/2013 and close on my first house :smileyvery-happy:

Goal - 720 by 12/31/12
Established Contributor
mAndrew1980
Posts: 700
Registered: ‎08-26-2011

Re: Holy Crap APPROVED for Barclay's Apple!!!!

Thanks so much. Should I go ahead and purchase my iPad2 now on-line or should I wait until I get my card? Do they want me to use the card immediately?

Transunion: 694 FICO (11/17/2013) 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%.



Valued Contributor
FairCredBen
Posts: 1,456
Registered: ‎10-25-2011

Re: Holy Crap APPROVED for Barclay's Apple!!!!

Grats home slice. 

Current Score: EQ: 715 | TU: 694 | EX: 691
Gardening Time! 3/7/2013
In My Wallet: Cap1: $500 | Cap1: 1500 | Cap1 AU: 1250 | UECU Visa: $5000
Established Contributor
mAndrew1980
Posts: 700
Registered: ‎08-26-2011

Re: Holy Crap APPROVED for Barclay's Apple!!!!

haha I don't know whether to use this thing or not? What do they want me to do??

Transunion: 694 FICO (11/17/2013) 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%.



Mega Contributor
Creditaddict
Posts: 16,881
Registered: ‎10-23-2007

Re: Holy Crap APPROVED for Barclay's Apple!!!!

yes use now if that's what you want to buy!

Fico Scores: EQ 620, TU 675 & EX 703 (4-1-14)
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640
Mine: Navy NavCheck $3000, Kay Jewelry $2700, Pottery Barn $2800, FleetCard MC Biz $1800, HSN $1500, Vitacost MC $1500, Navy Cash $1500 and nRewards $1500, Bill Me Later $772, Cap1 Sony $750, Cap1 Spark $750, Best Buy MC $750, GE 76 Gas $650, Von Maur $600, Cap1 QuickSilver $500, Burbank CU $500, Kohls $300, Target1 $300, Target2 $300, Buckle $250, Express $250, Target3 $200
Super Contributor
CS800
Posts: 6,542
Registered: ‎04-07-2008

Re: Holy Crap APPROVED for Barclay's Apple!!!!

Congrats !!

 

Great CL






Established Contributor
mAndrew1980
Posts: 700
Registered: ‎08-26-2011

Re: Holy Crap APPROVED for Barclay's Apple!!!!

Haha I'm scared to use this thing! On one hand I want to use it quickly so they can't reverse their decision LOL. But on the other hand I'm scared to use it!

Transunion: 694 FICO (11/17/2013) 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%.




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
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+