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Viper786
Posts: 190
Registered: ‎04-15-2011
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Re: The offical Barclaycard Ring Thread

[ Edited ]

I am really interested in this card but I have no idea what my current TU FICO is. My last score from 2 months ago included very high util and a collection. I have since had the collection removed (it was a medical collection and I got it removed using the hipaa process) and have paid down my balances.

 

I know there is no direct correlation between FAKO and FICO scores, but my CreditKarma score is 704 (was 628 2 months ago) and my USAA FAKO is 709. 

 

Maybe i'll wait about 2 more weeks for chase to report my CLI which will lower my util even more before I apply for this.

EQ - 689 FICO - ScoreWatch (6/14) | TU - 701 FICO - Lender Pull (5/14) | EX - 708 - FICO Lender Pull (6/14)
Amazon Store Card - $4000 | Amex BCE - $2k | Barclaycard Ring - $2.5k | Capital One - $500 | Capital One - $3000 | Chase Freedom - $3.5k | Citi Diamond Preferred - $1000 | Discover It - $1500 | Macy's - $1500
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haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007
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Re: The official Barclaycard Ring Thread

OK, I've glommed three threads into this one, and there are probably some more out there.

 

Enjoy, everyone. :smileytongue:

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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logan_720
Posts: 608
Registered: ‎02-02-2012
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Re: The official Barclaycard Ring Thread


haulingthescoreup wrote:

OK, I've glommed three threads into this one, and there are probably some more out there.

 

Enjoy, everyone. :smileytongue:


Thanks for the clarity and organization :smileyhappy:

Regular Contributor
daveg38
Posts: 210
Registered: ‎01-01-2012
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Re: The official Barclaycard Ring Thread

Gonna call the recon dept. today - I didn't see a TU hit this morning, no monitor alerts.  Hope my decline is due to misfire on credit report as if their requirements are true to form, I met all of them.  They stated 'credit score of 680 or more' (assuming FAKO) so I passed that.  Utilization overall is pretty good.  Already a heavy paying customer with them...

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FrugalRican
Posts: 2,876
Registered: ‎02-02-2012
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Re: The official Barclaycard Ring Thread

Still don't get what's so special about this card.

All I managed to read was 8% APR... which if you have a 25% APR but don't carry a balance, really doesn't mean much.

1% on cash thingy, okay, I can get that, but I don't often withdraw from a credit card...

 

So what else is there? I'm seeing a lot of buzz over the internet over this card, but still haven't really seen a why?

Is it because of the 680 to get it?

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Regular Contributor
daveg38
Posts: 210
Registered: ‎01-01-2012
0

Re: The official Barclaycard Ring Thread

[ Edited ]

Profit sharing is what I read that stuck out.

 

Oh, and they supposedly let the cardholder have the 'say' in changes or whathaveyou.

 

*update*

 

Barclay rep said systematic decline was due to having enough credit with Apple Barclaycard....calling back after i unfreeze TU...will update..

 

*update*

 

Allocating $2000 from my Apple to the Ring...but hey, an approval is an approval, right?

 

Lady indicated that credit lines are interchangable at any time.

Regular Contributor
daveg38
Posts: 210
Registered: ‎01-01-2012
0

Re: The official Barclaycar​d Ring Thread

[ Edited ]

Well, not a full blown approval - they ganked $2000 off my BarclayCard and allocated it to the Ring.  Still glad to be in this club as the benefits are tremendous.

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TannerK
Posts: 1,275
Registered: ‎12-02-2010
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Re: The official Barclaycar​d Ring Thread

[ Edited ]

Welcome to the ring.

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Coldness
Posts: 97
Registered: ‎12-30-2010
0

Re: The official Barclaycar​d Ring Thread

[ Edited ]

Are you able to see more information about the benefits and profit sharing and such on your account now that you're approved? I'm sure I'm not the only curious one.

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FrugalRican
Posts: 2,876
Registered: ‎02-02-2012
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Re: The official Barclaycar​d Ring Thread

[ Edited ]

I'm VERY curious, because I keep seeing people pine over this card, but all I've found is a low APR as one of the benefits and the 1% on cash "transfers".

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)


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