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Frequent Contributor
Posts: 489
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

In Wallet 03/15/2017: CSR $11,000 | Chase Freedom Unlimited $6,000

In Garden Until 2019
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Posts: 1,473
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.


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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
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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)

In Wallet 03/15/2017: CSR $11,000 | Chase Freedom Unlimited $6,000

In Garden Until 2019
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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: 448
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: 768 | EQ: 769 | EX: 764
Last INQ: 9/3/16
AAoA: 2y 11m
Lowest limit: Citi Double Cash MasterCard - $12,500
Highest limit: Discover It - $56,000
Available credit: $175,600 (6 cards)
Senior Contributor
Posts: 6,279
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: 489
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..? Smiley Happy

In Wallet 03/15/2017: CSR $11,000 | Chase Freedom Unlimited $6,000

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Frequent Contributor
Posts: 489
Registered: ‎06-21-2013
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Re: Should I go for a Barclay Card?

How is Chase with CLI?

In Wallet 03/15/2017: CSR $11,000 | Chase Freedom Unlimited $6,000

In Garden Until 2019

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