Reply
Member
Naro
Posts: 13
Registered: ‎05-05-2012

Just Approved For Apple Barclay

[ Edited ]

Just got approved for barclay financing,i got  awarded a 2000 dollar credit limit, my highest yet. Also, I was wondering two months ago I applied and got denied because too many inquiries, but when I applied I didn't mark that I was a student. So today, the same amount of inquires, I marked I was a student and I was approved for a card. Does the option of being a student lower the bar for approval.

 

New Contributor
Tristate
Posts: 53
Registered: ‎06-02-2012

Re: Just Approved For Apple Barclay

Congrats on getting that card! Do you mind sharing what your score is ? I'm planning to apply for Barclays next year.


Starting Score: FICO EQ-660 TU-658 07/2012
Current Score: FICO EQ-674 TU-658
Goal Score: FICO 700

USAA FAKO EX-647 EQ-635 TU-647
In my wallet as of December 2012 : Cap1-$500,Cap 1 secured-$1500. Barclaycard MC-$1300 , Merrick-$1500

Take the FICO Fitness Challenge
Established Contributor
MountainHiker
Posts: 643
Registered: ‎08-07-2012

Re: Just Approved For Apple Barclay

Congrats to you I'm sure its well deserved.I see a Apple computer in your future:smileyhappy:

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
New Contributor
aloush11
Posts: 74
Registered: ‎02-18-2012

Re: Just Approved For Apple Barclay

Congrats!
Frequent Contributor
iMacDrew
Posts: 343
Registered: ‎07-13-2012

Re: Just Approved For Apple Barclay

are any of those inqs from 2 months ago older than 6 months today?


Amex PRG NPSL | Amex BCP 6k | Discover IT 1.5k | CSP 5k | Military Star 3.2K | NFCU Cash Rewards 10k | US Bank Cash+ 5k
Member
Naro
Posts: 13
Registered: ‎05-05-2012

Re: Just Approved For Apple Barclay

I am pretty sure they are not 6 months old. My fico score from here is a 725 my oldest account is about 11 months.

Mega Contributor
LS2982
Posts: 14,440
Registered: ‎04-09-2011

Re: Just Approved For Apple Barclay


Naro wrote:

Just got approved for barclay financing,i got  awarded a 2000 dollar credit limit, my highest yet. Also, I was wondering two months ago I applied and got denied because too many inquiries, but when I applied I didn't mark that I was a student. So today, the same amount of inquires, I marked I was a student and I was approved for a card. Does the option of being a student lower the bar for approval.

 


Barclay's computer approval systems are weird most of the time. They like to decline for too many INQ's but a recon usually bypass's them. The student mark probably didn't change anything.

 




Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013
Established Contributor
frogfan12
Posts: 872
Registered: ‎10-16-2010

Re: Just Approved For Apple Barclay

Congrats on the new card and the future computer! :smileyhappy:


Starting Score: 760
Current Score: 716 Equifax 754 TU 736 Experian
Goal Score: 760
Established Contributor
UFGuy2006
Posts: 595
Registered: ‎08-02-2008

Re: Just Approved For Apple Barclay


LS2982 wrote:

Naro wrote:

Just got approved for barclay financing,i got  awarded a 2000 dollar credit limit, my highest yet. Also, I was wondering two months ago I applied and got denied because too many inquiries, but when I applied I didn't mark that I was a student. So today, the same amount of inquires, I marked I was a student and I was approved for a card. Does the option of being a student lower the bar for approval.

 


Barclay's computer approval systems are weird most of the time. They like to decline for too many INQ's but a recon usually bypass's them. The student mark probably didn't change anything.

 


This is very true.

FICO: EX: 756 (5/13); TU: 776 (5/13)
In My Wallet::
Amex Costco | Amex BCP | Amex PRG | Amex SPG | Barclays Priceline VS | Barclays US Airways WMC | BOA CR VS | CapOne CR WMC | Chase Freedom VS | Chase MP Club VS | Chase Marriott Prem VS | Chase Sapphire Pref WMC | Citi AA Amex | Citi Forward VS | Citi TY Prem VS | Discover IT | PF Platinum Rewards Visa | PF Travel Rewards Amex | PSECU Visa/PSL | US Bank Cash + VS
Valued Contributor
jsucool76
Posts: 2,645
Registered: ‎12-11-2011

Re: Just Approved For Apple Barclay

I'm so tempted to apply for this card because I keep seeing threads about people getting approved. haha. 

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart: 1300CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL

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.
www.myfico.com is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+