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Established Member
kimcakee
Posts: 63
Registered: ‎12-14-2011

I want a Barclays APPLE CARD! Help!!!

Hi guys,

 

I want to finance the new iMac, I wanna apply for the APPLE CARD but dont know if I will get approved. My BARCLAY CARNIVAL has current balance of $1191 with CL of 2500. I have my BoA with $0 balance CL of only $500. and $340 balance from my CapOne with CL only $750.

 

I have new inquiries from Mortgage application. All 3 are from the same Mortgage company. I guess will be seen as 1 inquiry.

 

My current FICO scores since Oct 24,2012 are EQUIFAX BEACON is 695, TU FICO CLASSIC 703 and EXPERIAN FAIR, ISAAC is 713.

 

What are my chances of getting approved??

your advice will be very much appreciated!! thanks in advance!! :smileyhappy:

as of June 12, 2012
EQ FICO 689, TU FICO 701, EX FICO 713 --NO BADDIES
BoA platinum Visa (600CL), Cap1 No hassle cash reward MC (750CL)
Barclay Carnival MC (2500CL), AU on Direct rewards HSBC (500CL)
Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: I want a Barclays APPLE CARD! Help!!!

[ Edited ]

I think the odds are near 0%, but not because of your credit (well, util is high). But I think Barclays still denies apps if you already have a card with them. I also have the SeaMiles and was turned down for the Apple a couple times with the denial reason being that I had credit with them already.

 

 

ETA...if in the middle of the mortgage process, don't app for anything.

Established Member
kimcakee
Posts: 63
Registered: ‎12-14-2011

Re: I want a Barclays APPLE CARD! Help!!!

Thanks!

 

We already got the house 3 mos ago. But is not showing on my report yet. 

 

I guess dont apply for Barclay then. Which other CC company should I try and get easy approval with my current credit? Second reason I want to get a new acct is to maximize utility.

as of June 12, 2012
EQ FICO 689, TU FICO 701, EX FICO 713 --NO BADDIES
BoA platinum Visa (600CL), Cap1 No hassle cash reward MC (750CL)
Barclay Carnival MC (2500CL), AU on Direct rewards HSBC (500CL)
Frequent Contributor
TheConductor
Posts: 491
Registered: ‎07-24-2012

Re: I want a Barclays APPLE CARD! Help!!!

Probably much better if you can pay down the other Barclays balance first.

 

They don't like to see outstanding balances with them when you make apps for CLI...I suspect the same is true for new card apps.

 

Starting: EQ 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12)
Current: EQ 686 (myFICO 7/14/14), EX 694 (Prosper 7/17/14) , TU 691 (WalMart 7/11/14) Goal: 700+ x3
My Wallet: Amex BCP $30k, Chase CSP VS $12.2k, Amex Zync NPSL (> 10k), C1 Venture VS $5k, Amex SPG $4.5k, Barclaycard Apple V $2k, Walmart (Store) $1.6k, Chase Freedom V $1100, BoA Cash Rewards V $500, Best Buy Rewards MC $500
My Loans: Prosper $25k/36mo
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: I want a Barclays APPLE CARD! Help!!!

I beleive you have a chance. I only had my priceline cc with them for 21 days and applied for the travelocity and was approved with a cl 3x's my priceline limit.

Contributor
teddybearkelli1
Posts: 109
Registered: ‎11-06-2012

Re: I want a Barclays APPLE CARD! Help!!!

I have 2 Barclays cards, one is the Apple Itunes Visa. I believe my score was around 695 when I was approved for it but have had it for many years.

FICO scores: 790 (EQ) 786 (EX) 796 (TU) |
My Wallet:NFCU CR Visa 24k, AMEX Delta Gd 20k, Walmart Discvr 12k, USAA Plat RA MC 13k, BECU Visa 10k, NFCU NR MC 5k, Sams Discvr 10k, Sportsmans Visa 10k, WF Plat Visa 10k, Paypal Extra MC 10k, BofA Fraternity MC 10k, Sams Credit 10k, USAA World MC 9k, Military Star 8.2k |BOA CR 8k |AMEX Evrdy 8k |Lowes 7.3k | Chase Military Star MC 6k, JCPenneys 5k, Discover IT 5k , Gymboree Visa 4.5k, Sears MC 4k, TJX MC 3.5k, ToysRUS Card 3.5k, Chase Amazon Visa 3k, Home Depot 3k, Citibank Simplicity 4.5k, Amazon Store 2.5k, Fred Meyers Visa 2.5k, Target 2k, Kohls 2k, ITunes Visa 2k, Macys 2k, Barclays Visa 1.7k, Vystar CU Visa 1.5k
Established Member
kimcakee
Posts: 63
Registered: ‎12-14-2011

Re: I want a Barclays APPLE CARD! Help!!!

thanks guys!

 

But how was your UTIL when you got approved? mine is pretty high thats why im very nervous to hit the button

as of June 12, 2012
EQ FICO 689, TU FICO 701, EX FICO 713 --NO BADDIES
BoA platinum Visa (600CL), Cap1 No hassle cash reward MC (750CL)
Barclay Carnival MC (2500CL), AU on Direct rewards HSBC (500CL)
Super Contributor
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: I want a Barclays APPLE CARD! Help!!!

I would recommend that you check out the amazon card or the best buy card. Both have nice 0 percent offers. If you go for the amazon card; you can try to recon your limit. Personally I would pay off the carnival card before purchasing a new Mac.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: I want a Barclays APPLE CARD! Help!!!

utl was 9%. With the priceline score was 673 with 8 baddies and travelocity was 803 with 1 baddie

Contributor
teddybearkelli1
Posts: 109
Registered: ‎11-06-2012

Re: I want a Barclays APPLE CARD! Help!!!

Util around 19%, no negatives

FICO scores: 790 (EQ) 786 (EX) 796 (TU) |
My Wallet:NFCU CR Visa 24k, AMEX Delta Gd 20k, Walmart Discvr 12k, USAA Plat RA MC 13k, BECU Visa 10k, NFCU NR MC 5k, Sams Discvr 10k, Sportsmans Visa 10k, WF Plat Visa 10k, Paypal Extra MC 10k, BofA Fraternity MC 10k, Sams Credit 10k, USAA World MC 9k, Military Star 8.2k |BOA CR 8k |AMEX Evrdy 8k |Lowes 7.3k | Chase Military Star MC 6k, JCPenneys 5k, Discover IT 5k , Gymboree Visa 4.5k, Sears MC 4k, TJX MC 3.5k, ToysRUS Card 3.5k, Chase Amazon Visa 3k, Home Depot 3k, Citibank Simplicity 4.5k, Amazon Store 2.5k, Fred Meyers Visa 2.5k, Target 2k, Kohls 2k, ITunes Visa 2k, Macys 2k, Barclays Visa 1.7k, Vystar CU Visa 1.5k

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