topic Re: Barclays approval? in Credit Card Approvals

Barclays approval?

Anonymous — Fri, 17 Oct 2014 03:17:48 GMT

Does anyone know where I can check if I pre-qualify for a Barclays card?

I am rebuilding however within the past 30 days I was approved for Chase freedom ($2200) and Cap1 QuickSilver ($1000) along with 2 Comenity store cards (low limits) -- I've had a Cap1 secured $600 CC for over a year now and am AU on a couple of my wife's accounts.

Do you guys think I have a good chance at being approved for a Barclays? I want to get all of my cards within the same time frame so they can age. I just want 1 last major CC and I'm done for a while.

My TU is 631 which is what they seem to pull the most. The only 2 hard pulls were from my CAP1 and Chase. The last HP is from over a year ago when I opened my Cap1 secured card.

1 Neg from 2012 with Verizon and that's it.

Please let me know what you guys think and if I have a good chance and where their pre-approval link is?

Re: Barclays approval?

Anonymous — Fri, 17 Oct 2014 03:20:08 GMT

Barclays removed their pre approval link. You have to basically cold app now. I was denied by Barclay's with a 679 TU Fico due to short credit history but YMMV.

Re: Barclays approval?

Anonymous — Fri, 17 Oct 2014 03:41:26 GMT

@Anonymous wrote:
Barclays removed their pre approval link. You have to basically cold app now. I was denied by Barclay's with a 679 TU Fico due to short credit history but YMMV.

Thanks. How long ago did you apply and what do they consider short history?

I had preapproval for only Cap1 and Chase so far... all other sites (Discover, Amex, Citi, etc) don't show any.... should I not try based on that or?

Re: Barclays approval?

waters — Fri, 17 Oct 2014 05:19:52 GMT

Barclay does have a very good recon department via back office number. If you call they will tell you why you were denied (collections, lates, no history etc) and as long as you give them a good reason they can flip the denial to an approval over the phone.

Re: Barclays approval?

Anonymous — Fri, 17 Oct 2014 05:57:03 GMT

Barclays is a hard card for some to get but I would not apply for anything that I could not immediately get a pre-approval for.

Re: Barclays approval?

Anonymous — Fri, 17 Oct 2014 06:10:57 GMT

Thank you guys! I went ahead and gave it a shot. I did some research and although lots of members were denied, plenty were saying out of all Barclays cards that the Apple Visa may be the easiest. I gave that card a shot and was instantly approved for $2k! I just wanted to get my foot in the door with them so I'll probably buy my Wife a new iPad for Xmas or something and pay it off. I won't lie.. I was tempted to go for their Rewards card right now so I'd have a total of 4 majors CCs but I held off.

Re: Barclays approval?

Anonymous — Fri, 17 Oct 2014 06:21:31 GMT

I was considering the Best Western as it's a co-brand card w/Barclays myself. But i'm going to hold off seeing as my TU isn't over 700 just yet and the terms for the card are 13.99% or 23.99%

Realistically IF i get an approval at all, I know i'm gonna end up in the 23.99%

I want the 13.99% if i'm gonna burn an HP for it.

Re: Barclays approval?

Anonymous — Fri, 17 Oct 2014 11:39:50 GMT

@Anonymous wrote:
Thank you guys! I went ahead and gave it a shot. I did some research and although lots of members were denied, plenty were saying out of all Barclays cards that the Apple Visa may be the easiest. I gave that card a shot and was instantly approved for $2k! I just wanted to get my foot in the door with them so I'll probably buy my Wife a new iPad for Xmas or something and pay it off. I won't lie.. I was tempted to go for their Rewards card right now so I'd have a total of 4 majors CCs but I held off.

You should have went for the rewards as well. I got both of them on the same day with the same TU hard pull. I was only approved for $1700 on Apple Visa. Anyway, at least you got your foot in the door. Congratulations!

Re: Barclays approval?

Anonymous — Fri, 17 Oct 2014 12:55:13 GMT

I was going to recommend wait 6 months, but good job! Always PIF if there's no promo financing!

Re: Barclays approval?

Anonymous — Fri, 17 Oct 2014 13:23:37 GMT

Congrats! I applied in September. .. reconned 4 times, no dice. 100% on time payments. No lates or baddies. Clean but thin file. AAOA was just shy of 6 months.

Re: Barclays approval?

Anonymous — Fri, 17 Oct 2014 15:34:05 GMT

@Anonymous wrote:
I was considering the Best Western as it's a co-brand card w/Barclays myself. But i'm going to hold off seeing as my TU isn't over 700 just yet and the terms for the card are 13.99% or 23.99%

Realistically IF i get an approval at all, I know i'm gonna end up in the 23.99%
I want the 13.99% if i'm gonna burn an HP for it.

I hear ya. I'm just happy to get in with Barclay.. especially with my TU showing at 631 currently. Something is helping me get approved for these cards but I can't put my finger on it. Ive been AU on my wifes cards for quite a while now so I am wondering if thats what it is. Either way im not complaining though heh

Re: Barclays approval?

Anonymous — Fri, 17 Oct 2014 15:36:58 GMT

@Anonymous wrote:
@Anonymous wrote:
Thank you guys! I went ahead and gave it a shot. I did some research and although lots of members were denied, plenty were saying out of all Barclays cards that the Apple Visa may be the easiest. I gave that card a shot and was instantly approved for $2k! I just wanted to get my foot in the door with them so I'll probably buy my Wife a new iPad for Xmas or something and pay it off. I won't lie.. I was tempted to go for their Rewards card right now so I'd have a total of 4 majors CCs but I held off.
You should have went for the rewards as well. I got both of them on the same day with the same TU hard pull. I was only approved for $1700 on Apple Visa. Anyway, at least you got your foot in the door. Congratulations!

Do you think they would still use the same HP if I did it now?

Re: Barclays approval?

Anonymous — Fri, 17 Oct 2014 16:57:55 GMT

@Anonymous wrote:
Congrats! I applied in September. .. reconned 4 times, no dice. 100% on time payments. No lates or baddies. Clean but thin file. AAOA was just shy of 6 months.

Sorry to hear that! Build up some history and you'll get it. I think being an AU on my wifes cards for a couple of years help.

Did you app for Apple or Rewards card?

Re: Barclays approval?

Anonymous — Fri, 17 Oct 2014 16:59:00 GMT

I apped for the Apple about 10 hours ago (still within same day)... do you guys think I should shoot for the rewards card or give it some time? I worried they close my Apple card if I have to call in for a recon?

Re: Barclays approval?

Anonymous — Fri, 17 Oct 2014 16:59:48 GMT

@Anonymous wrote:
I was going to recommend wait 6 months, but good job! Always PIF if there's no promo financing!

Thanks bud! Yeah, glad I got it.... I held my breath and almost went unconcious as it took almots a minute. Heh.

I'm wondering if I should have went for both... I don't want to push it though.

Re: Barclays approval?

Anonymous — Fri, 17 Oct 2014 17:01:42 GMT

I also find it weird that I didn't get any emails from neither Apple or Barclays?

Re: Barclays approval?

Anonymous — Fri, 17 Oct 2014 20:14:55 GMT

I apped for Rewards. I almost apped for the Apple after as I've heard it is easier to get but glad i decided against it. I'm not sure if I'll be adding Barclay's to my portfolio in the future but we will see.

Re: Barclays approval?

Anonymous — Sat, 18 Oct 2014 00:24:23 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Thank you guys! I went ahead and gave it a shot. I did some research and although lots of members were denied, plenty were saying out of all Barclays cards that the Apple Visa may be the easiest. I gave that card a shot and was instantly approved for $2k! I just wanted to get my foot in the door with them so I'll probably buy my Wife a new iPad for Xmas or something and pay it off. I won't lie.. I was tempted to go for their Rewards card right now so I'd have a total of 4 majors CCs but I held off.
You should have went for the rewards as well. I got both of them on the same day with the same TU hard pull. I was only approved for $1700 on Apple Visa. Anyway, at least you got your foot in the door. Congratulations!
Do you think they would still use the same HP if I did it now?

Sorry, been at work all day. No access to Myfico. I would have just told you that I don't know. I did mine one right after the other because I read a post from somebody on here that did that and got both cards. I had no idea about the HP's though (that other poster never mentioned them). Wether it'd be one or two. I expected 2 but only got one. I would guess it's in a 24 hour period at least but I really have no idea and I wouldn't want to suggest that you do it. You got your foot in the door although as many others have said I find this Apple Visa kind of worthless outside the Apple purchase I made. Huge interest rate and no rewards so no incentive to use even if you PIF. I'm happy I got it though. If I don't make anymore 0% interest Apple purchases with it I'll have the credit line moved to the rewards card.

Re: Barclays approval?

Anonymous — Sat, 18 Oct 2014 01:15:47 GMT

@Anonymous wrote:
I apped for Rewards. I almost apped for the Apple after as I've heard it is easier to get but glad i decided against it. I'm not sure if I'll be adding Barclay's to my portfolio in the future but we will see.

How come youre happy you didn't app for the card?

Re: Barclays approval?

Anonymous — Sat, 18 Oct 2014 01:21:26 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Thank you guys! I went ahead and gave it a shot. I did some research and although lots of members were denied, plenty were saying out of all Barclays cards that the Apple Visa may be the easiest. I gave that card a shot and was instantly approved for $2k! I just wanted to get my foot in the door with them so I'll probably buy my Wife a new iPad for Xmas or something and pay it off. I won't lie.. I was tempted to go for their Rewards card right now so I'd have a total of 4 majors CCs but I held off.
You should have went for the rewards as well. I got both of them on the same day with the same TU hard pull. I was only approved for $1700 on Apple Visa. Anyway, at least you got your foot in the door. Congratulations!
Do you think they would still use the same HP if I did it now?
Sorry, been at work all day. No access to Myfico. I would have just told you that I don't know. I did mine one right after the other because I read a post from somebody on here that did that and got both cards. I had no idea about the HP's though (that other poster never mentioned them). Wether it'd be one or two. I expected 2 but only got one. I would guess it's in a 24 hour period at least but I really have no idea and I wouldn't want to suggest that you do it. You got your foot in the door although as many others have said I find this Apple Visa kind of worthless outside the Apple purchase I made. Huge interest rate and no rewards so no incentive to use even if you PIF. I'm happy I got it though. If I don't make anymore 0% interest Apple purchases with it I'll have the credit line moved to the rewards card.

Thanks. Yeah just happy to get my foot in the door. So, is 0% interest on the FIRST purchase only?

Also, I'm just happy to have a card with a 2k CL anyways. I was approved for the chase freedrom for 2.2k 3 days ago which is my highest of all.

I plan to do exactly that, maybe app for the rewards and then transfer the balance from apple to the rewards in a year or so.