Re: Any experience in my shoes?
11-08-2012 04:37 PM
Congratulations on finishing your bankruptcy. Hang in there. There is light at the end of the tunnel.
I did apply and was approved for a Barclay's Apple Card and Barnes&Noble Mastercard. So far I have not had any problems with them and hopefully won't. One thing I have heard about them is that they are very application/inquiry sensitive. By that I mean, I have read that they will close your account if you have inquiries for new credit after opening the account. From what I have read if there are inquiries for new credit during the first year at Barclay's, they may close your account. This has not happened to me but I have read about it on other blogs.
Now I did notice that Barclays only ran a hard hit on TransUnion, but since I have since a soft hit from them since having the cards. Also they have been very good to me with their customer service since I opened the accounts.
Hope this helps.
I wouldn't see a use for the Barnes & Noble card for myself but I do know they have a Priceline version that would be helpful for me. I couldn't decide whether I wanted that or the Apple version more. Did you app for both Barclays cards at the same time?
Starting Score: 426 Ch. 13 BK Filed Sep 2009; Discharged Jan 2013
Current Score: TU 715 EQ FICO 693 EX 660 all via lender pull 5/9/13
Goal Score: 720