Regular Contributor
StartingLifeOver
Posts: 138
Registered: ‎02-06-2009
Re: Any experience in my shoes?

Guyatthebeach wrote:

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?

 

NFCU Cash Rewards: $14,000/FNBO Platinum: $4,600/Best Buy Cap 1: $2,500/Care Credit $7,600/TJ Maxx $600

Starting Score: 426 Ch. 13 BK Filed Sep 2009; Discharged Jan 2013 :smileyhappy:
Current Score: TU 695 EQ FICO 698 EX 694
Goal Score: 720