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What about Barclays makes the trouble worth it?

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Frequent Contributor

Re: What about Barclays makes the trouble worth it?

For those with BK, Barclays is one of the few decent Cards one could apply for. Quite generous with Credit limits and can grow with you if managemed properly. There are not so many BK friendly Credit cards out there anymore.


Starting Score: 500s
Current Score: EQ: 708myFICO(7/15/17), TU: 721myFICO(7/15/17), EX: 701myFICO(7/15/17)
Goal Score: 750

Wallet: Discover IT $50300, Capital One Platinum $17000, Barclays Rewards $6700, Walmart $6000, Amazon Store Card $6000 Chase Sapphire Preferred $5000, Chase Sapphire Reserve $10000, Bank of America Cash Rewards $500. BestBuy $10000
Message 11 of 15
Valued Contributor

Re: What about Barclays makes the trouble worth it?

Someone who has entered Primeville such as yourself Duncan, especially someone who has a habit of apping, probably wouldn't bother.  But it's a decent in between option.  I'm probably several years away from a decent Chase or Amex, but I can see getting a Barclay's with decent CL, no AF, within the next year or so depending.  I also don't app alot, I have 2 HPs in the last 36 months. 

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 12 of 15
Senior Contributor

Re: What about Barclays makes the trouble worth it?

How would you know if you had 2hps in 36 months? Don't hps fall off after 24 mos? Lol


I liked Barclay's bc of recon ability, bt offer, and the fact that I could get my first Amex w them as I knew the real Amex prob wouldn't approve me hhah!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 13 of 15
Valued Contributor

Re: What about Barclays makes the trouble worth it?

I don't mean what's reporting, I mean what's actually happened.  I don't plan on "app sprees" until I have a decent shot at getting approved for multiple cards.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 14 of 15
Frequent Contributor

Re: What about Barclays makes the trouble worth it?

YMMV .. but for me, no AF, Frontier miles, good BT offer and no interest for over a year.  I got a nice cli after 6 months (I requested) and I've had no issues.  I've apped for 2 cards after my Barclay, but no issues with that so far either.

Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13
Message 15 of 15