When to app for Barclays rewards card

[Anonymous]

Scores are likely to jump to the low 630s (or higher) in the next month with no collections. Do you think it would be a good chance of an approval for the Barclays rewards "fair" card?

[JayTee1]

I just checked, and my TU score was 597 when I got that card.  I think I even had more derogatory items on my reports than I do now.  Nobody can guarantee it, but I'd guess in the 630s, you'd be fine.

[Anonymous]

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@Anonymous wrote:
Scores are likely to jump to the low 630s (or higher) in the next month with no collections. Do you think it would be a good chance of an approval for the Barclays rewards "fair" card?

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Depends on how much recent history you have. Barclays likes to see at least 1.5 to 2 years of recent payment history one at least two revolving accounts.

[JustinA]

Here's what was brought up in my failed recon

They pulled TU

Inquiry sensitive in last 6 months

New account sensitive in last 6 months...they want to see a responsible history on new accounts.

Asked about a 2011 charge off that's paid in full.


Sooo take it for what it's worth...I'd get closer to 640s with few to none inquiry.

[JayTee1]

I forgot to mention.  I was specifically told by a credit analyst at Barclay that they are "not a FICO lender", whatever that means.  They may use their own internal scoring model, so your score may not matter much actually.  

[RonM21]

YMMV, but I'm pretty sure I got my first card with them with like a 595 score.

[fltireguy]

Data points:

I was approved instantly online with a 622 TU, 6 year old BK13, Dismissed. One semi recent baddie. 26 Inq., 16 in last 6 months. 6 new accounts. Hope that helps, my SL was $1000

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@JustinA wrote:
Here's what was brought up in my failed recon

They pulled TU

Inquiry sensitive in last 6 months

New account sensitive in last 6 months...they want to see a responsible history on new accounts.

Asked about a 2011 charge off that's paid in full.


Sooo take it for what it's worth...I'd get closer to 640s with few to none inquiry.

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