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Frequent Contributor
Posts: 328
Registered: ‎06-21-2013
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Should I go for a Barclay Card?

I just got a 3k chase freedom and a $600 boa rewards. Should I go for a barclay card? and if so which one? I'm not going too until you guys say something..Doesnt barclays pull a different report etc? Thats why I'm asking. Thanks


Amex PRG NPSL | Citi Double Cash 1.2k | Chase Freedom 1k | Fidelity AMEX 5k | Sallie Mae World MC 2.4k | Banana Republic 2.5k | Discover 3.5k | Slate 8k | Best Buy .6k | Kohl's .3k |
Valued Contributor
Posts: 1,052
Registered: ‎09-19-2012
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Re: Should I go for a Barclay Card?


xgac12x wrote:

I just got a 3k chase freedom and a $600 boa rewards. Should I go for a barclay card? and if so which one? I'm not going too until you guys say something..Doesnt barclays pull a different report etc? Thats why I'm asking. Thanks


More than likely you would get a low limit.  I'd say wait for a bit (6 months to a year) before you apply.

Community Leader
Super Contributor
Posts: 6,862
Registered: ‎09-22-2012
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Re: Should I go for a Barclay Card?


xgac12x wrote:

I just got a 3k chase freedom and a $600 boa rewards. Should I go for a barclay card? and if so which one? I'm not going too until you guys say something..Doesnt barclays pull a different report etc? Thats why I'm asking. Thanks


How many new accounts in the last 12 months?  What is your AAoA?  What is your FICO score?  What are you looking for in a card?  Barclays is 99% TU puller.

Regular Contributor
Posts: 147
Registered: ‎10-07-2013
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Re: Should I go for a Barclay Card?

Barclays pulled TU for me.  I recently go the Barclay rewards card and if you apply through the creditkarma link and have excellent credit you can probably still get the 24mo 0% promo.


FICO EQ: 733 TU: 727 CS FAKO EX: 737                                                                                               In the garden since 5/9/13
Frequent Contributor
Posts: 328
Registered: ‎06-21-2013
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Re: Should I go for a Barclay Card?

Here is a lot of that info in my post about the chase freedom (which i got)


Amex PRG NPSL | Citi Double Cash 1.2k | Chase Freedom 1k | Fidelity AMEX 5k | Sallie Mae World MC 2.4k | Banana Republic 2.5k | Discover 3.5k | Slate 8k | Best Buy .6k | Kohl's .3k |
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Super Contributor
Posts: 6,862
Registered: ‎09-22-2012
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Re: Should I go for a Barclay Card?

All we can give you is our best advice, but certainly don't go app'ing for something because someone told you to do so here.  Think about what's important to you (rewards, low APR, starting limit, etc...) and make an educated decision.  Before I app for anything, I scour all of the resources available to me including other credit sites (google is your friend).

 

My honest $0.02:  I don't care for Barclays, they have a shady history and they don't seem interested in extending credit, but they do have some good credit card options if you can get them.  They are not known to give you a higher starting limit than anything currently reporting on your credit report (so I would expect something around $1k IF they approve you), but as always YMMV.  I agree with thelethargicage that you have a much better shot of approval and a decent limit if you show good usage on that new Freedom for 6-12 months.

Frequent Contributor
Posts: 384
Registered: ‎09-12-2013
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Re: Should I go for a Barclay Card?

If you're into rewards, go for the Sallie Mae World MasterCard. It should have a lower approval threshold being that its targeted at students.

https://www.salliemae.com/landing/WorldCreditCard/

 

 

TU: 751 | EQ: 748 | EX: 750
Last INQ: 1/23/15
AAoA: 2y 2m
Lowest limit: Sallie Mae MasterCard - $3,500
Highest limit: AmEx EveryDay - $30,000
Available credit: $102,600 (7 cards)
Senior Contributor
Posts: 6,260
Registered: ‎08-16-2012
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Re: Should I go for a Barclay Card?

Wow!!!! 24 mos 0%! Holy hell! Lol
Heh. I have no balances to BT. Lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
Posts: 328
Registered: ‎06-21-2013
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Re: Should I go for a Barclay Card?

Yeah I'm going to wait. Probably wont get a Barclays, probably wait and get an AMEX in 6-12 months. I use my chase heavily and pif before the statement cut. So maybe Ill get some love from Chase..? :smileyhappy:


Amex PRG NPSL | Citi Double Cash 1.2k | Chase Freedom 1k | Fidelity AMEX 5k | Sallie Mae World MC 2.4k | Banana Republic 2.5k | Discover 3.5k | Slate 8k | Best Buy .6k | Kohl's .3k |
Frequent Contributor
Posts: 328
Registered: ‎06-21-2013
0

Re: Should I go for a Barclay Card?

How is Chase with CLI?


Amex PRG NPSL | Citi Double Cash 1.2k | Chase Freedom 1k | Fidelity AMEX 5k | Sallie Mae World MC 2.4k | Banana Republic 2.5k | Discover 3.5k | Slate 8k | Best Buy .6k | Kohl's .3k |
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