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Regular Contributor
Posts: 190
Registered: ‎04-15-2011
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Re: The offical Barclaycar​d Ring Thread

[ Edited ]

I'm assuming you mention that based on my signature. Thanks for the heads up, that score in my signature is a few months old and at the time I had a medical collection on my reports which I got removed using the hipaa process and my util was around 90%. I have since paid down my util to around 25%.

 

I'm not sure what my exact TU fico is right now, but my USAA FAKO is 709 and my creditkarma is 704 (they were around the 620-630ish range 2 months ago). I am also going to wait about 2 more weeks for Chase to report my CLI from $1500 to $3000 on my Freedom. 

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
Regular Contributor
Posts: 118
Registered: ‎01-04-2012
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Re: The official Barclaycar​d Ring Thread

[ Edited ]

daveg38 wrote:

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.


Congrats! Did they use Transunion for the app?

Regular Contributor
Posts: 210
Registered: ‎01-01-2012
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Re: The official Barclaycar​d Ring Thread

[ Edited ]

Yes, they did.

 

Thought I was only getting $2000 moved over from Barclay Apple; they did that AND tacked on $3000 more!  :smileywink:

Valued Contributor
Posts: 1,486
Registered: ‎08-14-2011
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Re: The official Barclaycard Ring Thread


FrugalRican wrote:

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?


 

I'm interested in it because it has no fees and (in my opinion) is a good card to have around for times when you have to carry a balance.  Though if you have a steady and high income you would have no use for this card.

 

 

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

In My Sockdrawer:
AMEX Clear, Citi Platinum Select, US Bank Platinum, J.Crew
Community Leader
Valued Contributor
Posts: 1,405
Registered: ‎07-12-2011
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Re: The offical Barclaycar​d Ring Thread

[ Edited ]

Viper786 wrote:

I currently have 6 inquiries on my TU. Three of them are over a year old and the other three are under a year old.

 

I am interested in the barclaycard ring to transfer some balances to a lower APR card. I know Barclay is sensitive to new accounts/too many inquiries. Is 6 too many for them?


I think you are ok with 6 inq being that 3 are over a year old.  How old are the latest 3?  I don't think you should have a problem as long as they aren't too recent like in the last 4 months.  YMMV.  Just my opinion :smileyhappy:


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSP 20.5K, TotalRewards 20.5K, QuickSilver 20K

Established Contributor
Posts: 608
Registered: ‎02-02-2012
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Re: The official Barclaycar​d Ring Thread

[ Edited ]

Do you guys think that a successful recon can be done on this card if all the other criteria has been met, like the 680+ fico needed?

Regular Contributor
Posts: 210
Registered: ‎01-01-2012
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Re: The official Barclaycar​d Ring Thread

[ Edited ]

I was systematically declined since report was froze.  I let them in, told them I'd allocate part of Barclay Apple Card towards it.  They moved $2000 over and added $3000 to it...kinda cool.

 

Recon with them for sure; my TU FICO tanked this month and after telling them about why my USAA utilization hit 43%, they approved me.

Established Contributor
Posts: 608
Registered: ‎02-02-2012
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Re: The official Barclaycar​d Ring Thread

[ Edited ]

Well I haven't even apped yet. I'm not sure what my current TU score is, but I'm sure its above 680. I have an Apple card with them @ $1700 thats been open for two months. I had to recon for that one since I was denied for too many inquiries...I was just wondering if the Ring would be just as easy to recon or not. If it was, I would apply, but I'm a bit hesitant since I also want to try for a car loan sometime soon...

Regular Contributor
Posts: 210
Registered: ‎01-01-2012
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Re: The official Barclaycar​d Ring Thread

[ Edited ]

App for the car loan.  Wait a month and app / recon the Ring card because you can then explain the inquiries came from an auto loan - much better tactic (since ya gotta drive, right?)

Moderator
Posts: 15,075
Registered: ‎07-14-2009
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Re: The official Barclaycar​d Ring Thread

There are now 4 or 5 (I lost count) different threads talking about this product combined here.


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