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Frequent Contributor
WarJar101
Posts: 341
Registered: ‎08-14-2012
0

Question about Barclays LL Bean Visa Card

Is this card considered a store card? Anyone has an idea of how difficult it is to obtain?

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Regular Contributor
Tommy5746
Posts: 440
Registered: ‎02-08-2012
0

Re: Question about Barclays LL Bean Visa Card


WarJar101 wrote:

Is this card considered a store card? Anyone has an idea of how difficult it is to obtain?


Do yourself a favor and pass on anything that has Barclays name attached... They are notorous for closing out accounts spur of the moment without notice.. especially if you are trying to rebuild credit... because once you start apping for better cards barclays will give you the cut... Read through the forums... people are always posting about how barclays gave them the axe..

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit :smileyhappy:
Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011
0

Re: Question about Barclays LL Bean Visa Card


Tommy5746 wrote:

WarJar101 wrote:

Is this card considered a store card? Anyone has an idea of how difficult it is to obtain?


Do yourself a favor and pass on anything that has Barclays name attached... They are notorous for closing out accounts spur of the moment without notice.. especially if you are trying to rebuild credit... because once you start apping for better cards barclays will give you the cut... Read through the forums... people are always posting about how barclays gave them the axe..


hope this never happens to me.....they have been good to me......SO FAR.......only been a year though.......


Frequent Contributor
WarJar101
Posts: 341
Registered: ‎08-14-2012
0

Re: Question about Barclays LL Bean Visa Card

Yes, sir!

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

Re: Question about Barclays LL Bean Visa Card

[ Edited ]

Tommy5746 wrote:

WarJar101 wrote:

Is this card considered a store card? Anyone has an idea of how difficult it is to obtain?


Do yourself a favor and pass on anything that has Barclays name attached... They are notorous for closing out accounts spur of the moment without notice.. especially if you are trying to rebuild credit... because once you start apping for better cards barclays will give you the cut... Read through the forums... people are always posting about how barclays gave them the axe..


That statement is not entirely accurate.. Barclays is actually a very good lender and can be very generous, especially when it comes to Recons. There have been posts about barclays closing accounts after opening theirs but not that many. They won't close your account just for opening a few new cards, so long as everything else looks decent. If you go opening numerous accounts and utili shoots up and other baddies,,,well I mean C'mon, what do you expect. I, myself, have opened 6 new accounts since having barclays and they haven't said a word. Barclays has been terrific for me in my building process and are a great anytime you need to call them. They are always eager to help. We also had a member that opened 15 NEW ACCOUNTS after Barclays and all they did was send him a friendly reminder to e careful with his credit and opening SO many new accounts BUT DID NOT shut his account down or CLD. I happen to really like Barclays and believe they are a great CCC to begin a relationship with. They don't mind taking chances on people and are great for builders/re-builders because they offer them the opportunity to call in for a recon and explain any baddies one might have and their recon approval rate is phenomenal. I would go with Barclays if you really want the LL bean visa card, IMO.          oohhh yea, they are great with auto-cli's



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Regular Contributor
Tommy5746
Posts: 440
Registered: ‎02-08-2012
0

Re: Question about Barclays LL Bean Visa Card


gettnthere wrote:

Tommy5746 wrote:

WarJar101 wrote:

Is this card considered a store card? Anyone has an idea of how difficult it is to obtain?


Do yourself a favor and pass on anything that has Barclays name attached... They are notorous for closing out accounts spur of the moment without notice.. especially if you are trying to rebuild credit... because once you start apping for better cards barclays will give you the cut... Read through the forums... people are always posting about how barclays gave them the axe..


That statement is not entirely accurate.. Barclays is actually a very good lender and can be very generous, especially when it comes to Recons. There have been posts about barclays closing accounts after opening theirs but not that many. They won't close your account just for opening a few new cards, so long as everything else looks decent. If you go opening numerous accounts and utili shoots up and other baddies,,,well I mean C'mon, what do you expect. I, myself, have opened 6 new accounts since having barclays and they haven't said a word. Barclays has been terrific for me in my building process and are a great anytime you need to call them. They are always eager to help. We also had a member that opened 15 NEW ACCOUNTS after Barclays and all they did was send him a friendly reminder to e careful with his credit and opening SO many new accounts BUT DID NOT shut his account down or CLD. I happen to really like Barclays and believe they are a great CCC to begin a relationship with. They don't mind taking chances on people and are great for builders/re-builders because they offer them the opportunity to call in for a recon and explain any baddies one might have and their recon approval rate is phenomenal. I would go with Barclays if you really want the LL bean visa card, IMO.          oohhh yea, they are great with auto-cli's


YMMV... its a different ball game for everbody... some people never experiance anything neg with Barcalys.. others have their cards shut down with too many new inqs etc... everybody is diff!

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit :smileyhappy:
Frequent Contributor
WarJar101
Posts: 341
Registered: ‎08-14-2012
0

Re: Question about Barclays LL Bean Visa Card

I would love to have the ll bean card, do you guys know how they would respond to a recent credit user like myself?

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

Re: Question about Barclays LL Bean Visa Card

@WarJar101, Barclay's almost exclusively pulls TransUnion. Do you know what your TU FICO is?


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Frequent Contributor
WarJar101
Posts: 341
Registered: ‎08-14-2012
0

Re: Question about Barclays LL Bean Visa Card

I think it's about 715, last time I check. However, I just got my first CC last month. So, I'm wondering if they would except a person with no/limited credit credit history.


gettnthere wrote:
@WarJar101, Barclay's almost exclusively pulls TransUnion. Do you know what your TU FICO is?

 

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Established Contributor
aussiesareforever
Posts: 741
Registered: ‎10-04-2010
0

Re: Question about Barclays LL Bean Visa Card

They usualy like to see some history. I will wait until your current card has reported for at least six months. Better not to waste an inquiry.

 

I love Barclay. They have been good to me. I opened a credit card and got a personal loan after I got their card and they rewarded me with a credit line increase. You will be fine as long as you don't go ovverboard on the new accounts after getting a Barclay card. However, they have excellent customer service and their card will grow as your credit improves!

 

 

BK in 2008, after making very stupid financial decisions.

Barclay's Apple Financing Card ($6400) --- Capital One Quicksilver ($10,000)---GEMB CareCredit ($5700) --- AUFCU ($10000)--- Walmart ($5000)

FICO Scores: TU 735 EQ 709 EX 740 (Feb 2013, all pulled by lender)


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