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What type of score is barclay looking for?

Contributor

What type of score is barclay looking for?

I would like to get a ipad and laptop but i dont want to put them on the barclay card.  I just got an offer from citi so i am thinking about applying for their card but i would really like to have a barclay card.

Message 1 of 12
11 REPLIES
Established Contributor

Re: What type of score is barclay looking for?

Your post is confusing. Do you or do you not want the Barclay card?


BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($29,500) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($28,000)

Experian 746 Transunion 806-- July 2017
Message 2 of 12
Valued Contributor

Re: What type of score is barclay looking for?

People are too in love with credit score. Credit score is not everything. What's far more important is what's on your credit report.

 

If you must, a score of 680+ has higher chance to get approved with Barclays Visa.

Message 3 of 12
Member

Re: What type of score is barclay looking for?

Is not only the score when I applied for a barclays card I had TU 712 and Ex 687, They decline me because the number of inquiries. Make sure you don't have any inquiries  in the last 6 months.

Message 4 of 12
Frequent Contributor

Re: What type of score is barclay looking for?

The barclay Apple financing credit card  imo isnt that great. It looks cool, thats the only thing it has going for it. The 0% is only good for purchases in the first 30 days. There are other credit cards out there that will give 0% apr for the first year look for one of those. Although this card isnt great im sure there are other cards that Barclays offer that are better with rewards or low APR. I enjoy being a member because they have been helpful and quick responding to questions and CLI.

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Message 5 of 12
Epic Contributor

Re: What type of score is barclay looking for?


charlie29 wrote:

Is not only the score when I applied for a barclays card I had TU 712 and Ex 687, They decline me because the number of inquiries. Make sure you don't have any inquiries  in the last 6 months.


Barclay COMPUTERS that auto decision these apps is stupid!  You have to call backdoor number and have it reviewed... they are sensitive but not THAT sensitive... Think I had 4 or so on TU at time, but within the next 6 months I had at least 15 go on... My Barlcay card is still open.

I did have to call to recon the app back when I got it.

Message 6 of 12
Valued Contributor

Re: What type of score is barclay looking for?

www.whogavemecredit.com

 

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 7 of 12
Established Contributor

Re: What type of score is barclay looking for?

They want 620+ TU (that's what they pull) and they want at least 1 year of positive revolving credit history with no previous BK or recent derogs.

AMEX SPG $30K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $20k | | NASA Platinum-Advantage $20k | CapOne Quicksilver $15k | Amazon Card $10k |

My Journey from Sub-600s:
Message 8 of 12
Epic Contributor

Re: What type of score is barclay looking for?


Jlu wrote:

They want 620+ TU (that's what they pull) and they want at least 1 year of positive revolving credit history with no previous BK or recent derogs.


they don't care about BK but they do want at least 1 year but I think 2 year of no derogs and not a lot of outstanding debt.

Message 9 of 12
Regular Contributor

Re: What type of score is barclay looking for?


Jlu wrote:

They want 620+ TU (that's what they pull) and they want at least 1 year of positive revolving credit history with no previous BK or recent derogs.


Do you know how far back that they look for those things? My BK was discharged in Jan of '10. I believe that was one of the reasons that they declined me earlier this year. 

EX 638 (Lender 9/1) TA 650(Walmart 9/1) EQ 655 (FICO - 9/17)
Goal - 700 Club in '13!!!

My Wallet - Cap 1 - $300. Cap 1 - $750. Orchard - $950.
New as of 8/29 - Target - $3000. Barclay's - $2000. Merrick - $1000. Walmart $600. And as of 9/22 - JCP $200.
Message 10 of 12