Reply
Established Contributor
logan_720
Posts: 608
Registered: ‎02-02-2012
0

Re: The official Barclaycard Ring Thread


ptr2593 wrote:

Yea, please post your info if you got declined as well!  I'm really itching for this card, but I'm unsure of my TU and I have 5-7 inquiries in the past year.


I have around the same number of inquiries, you should apply first :smileywink:

Valued Contributor
ptr2593
Posts: 1,486
Registered: ‎08-14-2011
0

Re: The official Barclaycard Ring Thread


logan_720 wrote:

ptr2593 wrote:

Yea, please post your info if you got declined as well!  I'm really itching for this card, but I'm unsure of my TU and I have 5-7 inquiries in the past year.


I have around the same number of inquiries, you should apply first :smileywink:



Haha :smileyhappy: I really want this card.  I don't think I have a shot at anywhere near 8% on anything else!

In My Wallet:
AMEX BCE, Citi Forward, Chase Freedom

In My Sockdrawer:
AMEX Clear, Citi Platinum Select, US Bank Platinum, J.Crew
Established Contributor
logan_720
Posts: 608
Registered: ‎02-02-2012
0

Re: The official Barclaycard Ring Thread

:smileysurprised:pull the trigger andshare your results!! (no pressure) haha:smileywink:

Regular Contributor
mokong
Posts: 138
Registered: ‎12-13-2011
0

Re: The offical Barclaycard Ring Thread

i pulled the trigger yesterday and totally declined...got to the phone this morning and talk to the credit analyst and after a few question she told me i was APPROVED and my STARTING limit is 5K.

Established Contributor
logan_720
Posts: 608
Registered: ‎02-02-2012
0

Re: The offical Barclaycard Ring Thread


mokong wrote:

i pulled the trigger yesterday and totally declined...got to the phone this morning and talk to the credit analyst and after a few question she told me i was APPROVED and my STARTING limit is 5K.



What were your initial denial reasons?

Regular Contributor
mokong
Posts: 138
Registered: ‎12-13-2011
0

Re: The offical Barclaycard Ring Thread

too many available credit.

Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: The offical Barclaycard Ring Thread


mokong wrote:

too many available credit.



So they denied you because you had too much available credit on your current credit card accounts?


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!



Take the myFICO Fitness Challenge
Regular Contributor
mokong
Posts: 138
Registered: ‎12-13-2011
0

Re: The offical Barclaycard Ring Thread

yes.im using only 1% util this past few months.

Established Contributor
logan_720
Posts: 608
Registered: ‎02-02-2012
0

Re: The offical Barclaycard Ring Thread


mokong wrote:

yes.im using only 1% util this past few months.


About how many inquiries do you have?

Regular Contributor
mokong
Posts: 138
Registered: ‎12-13-2011
0

Re: The offical Barclaycard Ring Thread

4 inq on TU and fico 716


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.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}