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Established Contributor
logan_720
Posts: 608
Registered: ‎02-02-2012
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Re: The official Barclaycard Ring Thread
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‎04-18-2012 08:39 PM

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 Smiley Wink

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ptr2593
Posts: 1,486
Registered: ‎08-14-2011
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Re: The official Barclaycard Ring Thread
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‎04-18-2012 10:18 PM

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 Smiley Wink


Haha Smiley Happy 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
Message 72 of 197 (1,929 Views)
 
Established Contributor
logan_720
Posts: 608
Registered: ‎02-02-2012
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Re: The official Barclaycard Ring Thread
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‎04-18-2012 10:20 PM

Smiley Surprisedpull the trigger andshare your results!! (no pressure) hahaSmiley Wink

Message 73 of 197 (1,927 Views)
 
Regular Contributor
mokong
Posts: 138
Registered: ‎12-13-2011
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Re: The offical Barclaycard Ring Thread
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‎04-19-2012 07:18 AM

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.

Message 74 of 197 (1,863 Views)
 
Established Contributor
logan_720
Posts: 608
Registered: ‎02-02-2012
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Re: The offical Barclaycard Ring Thread
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‎04-19-2012 07:22 AM

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?

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Regular Contributor
mokong
Posts: 138
Registered: ‎12-13-2011
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Re: The offical Barclaycard Ring Thread
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‎04-19-2012 07:31 AM

too many available credit.

Message 76 of 197 (1,846 Views)
 
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webhopper
Posts: 7,225
Registered: ‎09-16-2011
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Re: The offical Barclaycard Ring Thread
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‎04-19-2012 07:34 AM

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!


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Regular Contributor
mokong
Posts: 138
Registered: ‎12-13-2011
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Re: The offical Barclaycard Ring Thread
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‎04-19-2012 07:40 AM

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

Message 78 of 197 (1,833 Views)
 
Established Contributor
logan_720
Posts: 608
Registered: ‎02-02-2012
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Re: The offical Barclaycard Ring Thread
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‎04-19-2012 11:41 AM

mokong wrote:

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

About how many inquiries do you have?

Message 79 of 197 (1,775 Views)
 
Regular Contributor
mokong
Posts: 138
Registered: ‎12-13-2011
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Re: The offical Barclaycard Ring Thread
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‎04-19-2012 12:48 PM

4 inq on TU and fico 716

Message 80 of 197 (1,757 Views)
 
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