08-31-2012 08:23 PM
09-06-2012 01:32 PM
I had applied for this card and was initially declined. They didn't pull my credit report so I was perplexed. Called the backdoor number and talked with an agent who said the reason listed was that I had sufficient credit with Barclay. I have a Juniper card which i rarely use. I asked for a recon. I have good credit 761 Ex. 723 TU and 723 Eq. Great payment history, and less than 30% utilization. He did a hard pull and used my TU score. Gave me a CL of $10,000. Balance transfer, purchases, AND cash advance is all at 8%! Who needs rewards with this? I plan on transferring some really high interest cards over to this one immediately. Said he will consider a CLI in 6 months of solid payment history. Plus, they have a system in place where all the cardholders get to choose what rewards and rebates we want by voting for them. Amazing concept. This may be one of my best cards yet and I was a huge Chase Sapphire fan!
11-15-2012 09:29 PM
Anyone know how CLIs work with Barclay? More particularily with this card?
11-15-2012 10:12 PM
I have 2 Barclay cards and both have the CLI request button online, I clicked both last week and was approved for an increase on both of around 600 each card.
11-15-2012 10:15 PM
Was it a soft pull or a hard pull?
12-31-2012 10:58 AM
Hello, just some info on my experience today.
I was looking for a prime card to apply for that pulls from TU. I regularly check my Creditkarma profile and currently have a 727 TU on Creditkarma. About 18 months average open credit history, $1000 CapOne Plat, $1000 CapOne Plat, $300 HSBC/CapOne Orchard, and a $800 GE SmartConnect. About 25-30% utilization on the pull. No BKS, no public records, no collections.
I applied for the Barclaycard ring then called backdoor number on my lunch break. The gentleman placed me on hold to speak to the security analyst, then he asked me about my employment (consumer credit counselor!), annual income, etc. and reviewed my credit report. He was going to decline me at first, because my credit history wasn't too long and my limits were low, but changed his mind and approved me over phone for a $1000 limit.
The 8% APR and low balance transfer/cash advance fees make this a very attractive card. Of course, I didn't tell the rep I was just approved for a $2000 Chase Freedom as well, but that was a double EX pull for that. (FYI, called Chase Freedom backdoor and was approved $500, called backdoor again and they did a 2nd hard pull to increase to $2000. Just got the card on Saturday).
Hope that helps anyone applying for Barclaycard Ring or Chase Freedom.
01-12-2013 02:45 PM
Chapter 7 BK discharged in December, only a car loan right now (Obtained the day after filing BK) - CS is 650 (Average) and I got a 7-10 day reply from them. I dont really need a credit card, but would like to begin rebuilding my credit. I guess we will see what happens.
04-06-2013 09:44 PM
I just got my Barclaycard Ring today & it looks like someone melted some starburst on the bottom of the card. Looks pretty cool, .
| Total CL: $177,300|
Highest CL: $10,000
Average CL: $6,300
Total PLOC: $26,000
| AAoA: 3 yrs & 11 mos|
Inq: 11 (EQ) | 10 (TU) | 9 (EX)
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.