topic Re: Barclaycard Apple Rewards Visa Approval in Credit Card Approvals

Barclaycard Apple Rewards Visa Approval

Anonymous — Fri, 23 Aug 2019 21:09:42 GMT

In my quest to reestablish credit while being blackballed by Chase, Citi, Discover(They just let me become an authorized user on my wife's card so hopefully that will change someday), and Amex(although now it looks like I prequalify for gold card), while also being shutdown by US Bank whom I bank with due to the past due balances with the aforementioned banks, I figured I would share a new approval and some data points.

I have past due closed accounts with 3 of the 4 banks above and a collection with the 4th. This will all drop of within the next 18 months. After prequalifying for the nice Ikea Visa, and increasing the limit on my express card and getting a large CLI on my Amazon card, I tried to do the same multiple times with both Cap one cards. They seem to be dead set against giving me any type of CLI or product change, even at 20% utilization.

I started researching what other cards I could get a decent SL from and wasn't likely to be blackballed from. Although I am an Android user, I saw the new apple card and saw that they started with a soft pull so I figured if I get approved, maybe I will switch back to Apple as I have a program through my phone carrier where I can turn my phone in and get a new one as long as I pay the tax. I have also been eyeing a Macbook pro.

I started dreaming about my wife getting approved too and getting a bunch of new gear(and paying it off quickly). Well, that all came crashing down when I got denied for my past due accounts. I spent the drive to work really bummed out and when I got to work, I was perusing the Apple store drooling over Macbooks. I remembered that they also offered financing through Barclays and against my better judgment, I cold apped.

2k SL instant approval, scores are below.

Time Since Negative	3 Years 2 Months
Average Account Age	5 Years 6 Months
Oldest Account	11 Years 7 Months

The worst part is now I talked myself out of financing a Macbook, so this will likely go into the sock drawer. It will still serve its purpose of opening up more available credit. I immediately closed a silly Gettington account that had a $400 limit. I would rather take a short term hit to focus on consolidating around better quality cards.

How did I do?

Re: Barclaycard Apple Rewards Visa Approval

gdale6 — Fri, 23 Aug 2019 21:45:55 GMT

Not bad there, if you decide to buy things from Apple later you will have a card to use. With use Barclay is pretty good about CLIs, grats on it

Re: Barclaycard Apple Rewards Visa Approval

AverageJoesCredit — Fri, 23 Aug 2019 21:49:16 GMT

Grats

Re: Barclaycard Apple Rewards Visa Approval

HighAchiever — Sat, 24 Aug 2019 02:50:29 GMT

Congratulations on your approval!!! 😎

Re: Barclaycard Apple Rewards Visa Approval

M_Smart007 — Sat, 24 Aug 2019 04:04:43 GMT

Congrats on your Sir Barclay's

Re: Barclaycard Apple Rewards Visa Approval

AverageJoesCredit — Sat, 24 Aug 2019 16:22:03 GMT

Grats Hail Sir Barclay

Re: Barclaycard Apple Rewards Visa Approval

Marz2002 — Sat, 24 Aug 2019 18:26:28 GMT

CONGRATS @ThermoFlask on your Barclaycard Apple Rewards Visa approval and Thanks for the DPs!!!

Re: Barclaycard Apple Rewards Visa Approval

nuohlac — Sat, 24 Aug 2019 22:07:37 GMT

Congratulations on your approval!!!

Re: Barclaycard Apple Rewards Visa Approval

Hex — Sun, 25 Aug 2019 00:40:59 GMT

Now you have an new major bank card on your profile so I think you did great.
I suspect each new major bank that approves you helps with future approvals. It shows that other banks have trusted you.

Re: Barclaycard Apple Rewards Visa Approval

Anonymous — Sun, 25 Aug 2019 04:48:05 GMT

Congrats on your approval !!!!

Re: Barclaycard Apple Rewards Visa Approval

Anonymous — Sat, 25 Jan 2020 19:57:47 GMT

Congrads! Mine is in the sock drawer - my second oldest active card

Re: Barclaycard Apple Rewards Visa Approval

Traveler101 — Sat, 25 Jan 2020 20:36:53 GMT

Congrats!

Re: Barclaycard Apple Rewards Visa Approval

NoMoreE46 — Sun, 26 Jan 2020 13:49:23 GMT

ThermoFlask-
Cheers and great explanation/ thread.
(Would have gone the same exact route if I had been in your shoes....)

Re: Barclaycard Apple Rewards Visa Approval

Anonymous — Sun, 26 Jan 2020 13:54:36 GMT

Congratulations on your approval! 👍

Re: Barclaycard Apple Rewards Visa Approval

AllZero — Sun, 26 Jan 2020 20:11:24 GMT

Congratulations on your approval!

Re: Barclaycard Apple Rewards Visa Approval

RehabbingANDBlabbing — Sun, 09 Feb 2020 07:12:14 GMT

@Anonymous wrote:
In my quest to reestablish credit while being blackballed by Chase, Citi, Discover(They just let me become an authorized user on my wife's card so hopefully that will change someday), and Amex(although now it looks like I prequalify for gold card), while also being shutdown by US Bank whom I bank with due to the past due balances with the aforementioned banks, I figured I would share a new approval and some data points.

I have past due closed accounts with 3 of the 4 banks above and a collection with the 4th. This will all drop of within the next 18 months. After prequalifying for the nice Ikea Visa, and increasing the limit on my express card and getting a large CLI on my Amazon card, I tried to do the same multiple times with both Cap one cards. They seem to be dead set against giving me any type of CLI or product change, even at 20% utilization.
I started researching what other cards I could get a decent SL from and wasn't likely to be blackballed from. Although I am an Android user, I saw the new apple card and saw that they started with a soft pull so I figured if I get approved, maybe I will switch back to Apple as I have a program through my phone carrier where I can turn my phone in and get a new one as long as I pay the tax. I have also been eyeing a Macbook pro.

I started dreaming about my wife getting approved too and getting a bunch of new gear(and paying it off quickly). Well, that all came crashing down when I got denied for my past due accounts. I spent the drive to work really bummed out and when I got to work, I was perusing the Apple store drooling over Macbooks. I remembered that they also offered financing through Barclays and against my better judgment, I cold apped.

2k SL instant approval, scores are below.
Time Since Negative
3 Years 2 Months
Average Account Age
5 Years 6 Months
Oldest Account
11 Years 7 Months

The worst part is now I talked myself out of financing a Macbook, so this will likely go into the sock drawer. It will still serve its purpose of opening up more available credit. I immediately closed a silly Gettington account that had a $400 limit. I would rather take a short term hit to focus on consolidating around better quality cards.

How did I do?

You do you, ThermoFlask! I am in a similar situation myself. I am blacklisted at BofA, US Bank, Citi, Chase, USAA, and PenFed. After a financial disaster, you just have to move on and find new lenders to work with. That's what I have done and it is working out great. This Apple Barclay Visa may not be ideal right now, but it's a free card that gives you a free FICO each month. It does offer some rewards in the form of iTunes gift cards as well, if I remember correctly. And this card will lead to you getting other, much better cards. You just need some time.