Regular Contributor
Viper786
Posts: 190
Registered: ‎04-15-2011
Re: The offical Barclaycard Ring Thread
[ Edited ]

I am really interested in this card but I have no idea what my current TU FICO is. My last score from 2 months ago included very high util and a collection. I have since had the collection removed (it was a medical collection and I got it removed using the hipaa process) and have paid down my balances.

 

I know there is no direct correlation between FAKO and FICO scores, but my CreditKarma score is 704 (was 628 2 months ago) and my USAA FAKO is 709. 

 

Maybe i'll wait about 2 more weeks for chase to report my CLI which will lower my util even more before I apply for this.

EQ - 689 FICO - ScoreWatch (6/14) | TU - 701 FICO - Lender Pull (5/14) | EX - 708 - FICO Lender Pull (6/14)
Amazon Store Card - $4000 | Amex BCE - $2k | Barclaycard Ring - $2.5k | Capital One - $500 | Capital One - $3000 | Chase Freedom - $3.5k | Citi Diamond Preferred - $1000 | Discover It - $1500 | Macy's - $1500
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Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
Re: The official Barclaycard Ring Thread

OK, I've glommed three threads into this one, and there are probably some more out there.

 

Enjoy, everyone. :smileytongue:

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Established Contributor
logan_720
Posts: 608
Registered: ‎02-02-2012
Re: The official Barclaycard Ring Thread

haulingthescoreup wrote:

OK, I've glommed three threads into this one, and there are probably some more out there.

 

Enjoy, everyone. :smileytongue:


Thanks for the clarity and organization :smileyhappy:

Contributor
daveg38
Posts: 190
Registered: ‎01-01-2012
Re: The official Barclaycard Ring Thread

Gonna call the recon dept. today - I didn't see a TU hit this morning, no monitor alerts.  Hope my decline is due to misfire on credit report as if their requirements are true to form, I met all of them.  They stated 'credit score of 680 or more' (assuming FAKO) so I passed that.  Utilization overall is pretty good.  Already a heavy paying customer with them...

FICO's: Transunion: 633 (1/2013) | Equifax: 571 (MF 1/2013) Goal: 750 each | FAKO's: Transunion: 731 | Equifax: 682 | Experian: 634

USAA Platinum Visa $11400 | Barclaycard Visa $500 | Cappy1 $750 | Orchard $300 (File 13 Date: 2/2013 - On target) | BOFA Americard Cash Rewards $5000 | Chase Freedom $4500 | NFCU nRewards $5000 | Barclay Ring $5000 | Walmart Store $400 | Chase Slate $2500
Blogger
FrugalRican
Posts: 2,876
Registered: ‎02-02-2012
Re: The official Barclaycard Ring Thread

Still don't get what's so special about this card.

All I managed to read was 8% APR... which if you have a 25% APR but don't carry a balance, really doesn't mean much.

1% on cash thingy, okay, I can get that, but I don't often withdraw from a credit card...

 

So what else is there? I'm seeing a lot of buzz over the internet over this card, but still haven't really seen a why?

Is it because of the 680 to get it?

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Contributor
daveg38
Posts: 190
Registered: ‎01-01-2012
Re: The official Barclaycard Ring Thread
[ Edited ]

Profit sharing is what I read that stuck out.

 

Oh, and they supposedly let the cardholder have the 'say' in changes or whathaveyou.

 

*update*

 

Barclay rep said systematic decline was due to having enough credit with Apple Barclaycard....calling back after i unfreeze TU...will update..

 

*update*

 

Allocating $2000 from my Apple to the Ring...but hey, an approval is an approval, right?

 

Lady indicated that credit lines are interchangable at any time.

FICO's: Transunion: 633 (1/2013) | Equifax: 571 (MF 1/2013) Goal: 750 each | FAKO's: Transunion: 731 | Equifax: 682 | Experian: 634

USAA Platinum Visa $11400 | Barclaycard Visa $500 | Cappy1 $750 | Orchard $300 (File 13 Date: 2/2013 - On target) | BOFA Americard Cash Rewards $5000 | Chase Freedom $4500 | NFCU nRewards $5000 | Barclay Ring $5000 | Walmart Store $400 | Chase Slate $2500
Contributor
daveg38
Posts: 190
Registered: ‎01-01-2012
Re: The official Barclaycar​d Ring Thread
[ Edited ]

Well, not a full blown approval - they ganked $2000 off my BarclayCard and allocated it to the Ring.  Still glad to be in this club as the benefits are tremendous.

FICO's: Transunion: 633 (1/2013) | Equifax: 571 (MF 1/2013) Goal: 750 each | FAKO's: Transunion: 731 | Equifax: 682 | Experian: 634

USAA Platinum Visa $11400 | Barclaycard Visa $500 | Cappy1 $750 | Orchard $300 (File 13 Date: 2/2013 - On target) | BOFA Americard Cash Rewards $5000 | Chase Freedom $4500 | NFCU nRewards $5000 | Barclay Ring $5000 | Walmart Store $400 | Chase Slate $2500
Established Contributor
TannerK
Posts: 1,275
Registered: ‎12-02-2010
Re: The official Barclaycar​d Ring Thread
[ Edited ]

Welcome to the ring.

Contributor
Coldness
Posts: 97
Registered: ‎12-30-2010
Re: The official Barclaycar​d Ring Thread
[ Edited ]

Are you able to see more information about the benefits and profit sharing and such on your account now that you're approved? I'm sure I'm not the only curious one.

Blogger
FrugalRican
Posts: 2,876
Registered: ‎02-02-2012
Re: The official Barclaycar​d Ring Thread
[ Edited ]

I'm VERY curious, because I keep seeing people pine over this card, but all I've found is a low APR as one of the benefits and the 1% on cash "transfers".

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)