Regular Contributor
Posts: 146
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 $5,700/Best Buy Citibank $2,500/Care Credit $7,600/TJ Maxx $600/Neiman Marcus $7000/Saks5thAve $2500

Starting Score: 426 Ch. 13 BK Filed Sep 2009; Discharged Jan 2013 Smiley Happy
Current Score: TU 706 EQ FICO 701 EX 704
Goal Score: 720