topic Apple and Ring approvals from Barclays in Credit Card Approvals

Apple and Ring approvals from Barclays

chancep — Wed, 16 Apr 2014 15:04:02 GMT

Hey guys, I've been rebuilding and only have 1 card left to pay down, woo! I decided to app for the Ring card since it has a low APR and I wanted to lower my util. I was denied for the Ring online so I apped for the apple financing card and was approved for $2k. Two days later (today) I called the backdoor number to recon the Ring app and they approved me for $2.5k. I then asked about transfering the limit from the apple card to the ring and the person that did the recon for me told me that wasn't an option... so I called back in to the regular number and had the full limit transfered and the apple card closed in less than 3 minutes. $4.5k is my second highest limit, but ring has a lower apr by 5%. My TU is a 676 according to walmart fico, aaoa 2.6 years, 1 year old collection 90+day, 120+day charge off in 2010, util around 40%. 7 inq.

Re: Apple and Ring approvals from Barclays

coldnmn — Wed, 16 Apr 2014 15:10:19 GMT

Congrats! Thanks for sharing.

Re: Apple and Ring approvals from Barclays

BigBS — Wed, 16 Apr 2014 15:20:58 GMT

Congrats!

Re: Apple and Ring approvals from Barclays

CreditMagic7 — Wed, 16 Apr 2014 15:26:39 GMT

@chancep wrote:
Hey guys, I've been rebuilding and only have 1 card left to pay down, woo! I decided to app for the Ring card since it has a low APR and I wanted to lower my util. I was denied for the Ring online so I apped for the apple financing card and was approved for $2k. Two days later (today) I called the backdoor number to recon the Ring app and they approved me for $2.5k. I then asked about transfering the limit from the apple card to the ring and the person that did the recon for me told me that wasn't an option... so I called back in to the regular number and had the full limit transfered and the apple card closed in less than 3 minutes. $4.5k is my second highest limit, but ring has a lower apr by 5%. My TU is a 676 according to walmart fico, aaoa 2.6 years, 1 year old collection 90+day, 120+day charge off in 2010, util around 40%. 7 inq.

Fantastic jockying!!

Congrats on sticking to your expectations and they actually fell right into place for you!

Re: Apple and Ring approvals from Barclays

gdale6 — Wed, 16 Apr 2014 17:03:00 GMT

@chancep wrote:
Hey guys, I've been rebuilding and only have 1 card left to pay down, woo! I decided to app for the Ring card since it has a low APR and I wanted to lower my util. I was denied for the Ring online so I apped for the apple financing card and was approved for $2k. Two days later (today) I called the backdoor number to recon the Ring app and they approved me for $2.5k. I then asked about transfering the limit from the apple card to the ring and the person that did the recon for me told me that wasn't an option... so I called back in to the regular number and had the full limit transfered and the apple card closed in less than 3 minutes. $4.5k is my second highest limit, but ring has a lower apr by 5%. My TU is a 676 according to walmart fico, aaoa 2.6 years, 1 year old collection 90+day, 120+day charge off in 2010, util around 40%. 7 inq.

Congrats

Re: Apple and Ring approvals from Barclays

alvon123 — Wed, 16 Apr 2014 17:55:06 GMT

well done!!

Re: Apple and Ring approvals from Barclays

-Wade- — Wed, 16 Apr 2014 22:57:40 GMT

@chancep wrote:
Hey guys, I've been rebuilding and only have 1 card left to pay down, woo! I decided to app for the Ring card since it has a low APR and I wanted to lower my util. I was denied for the Ring online so I apped for the apple financing card and was approved for $2k. Two days later (today) I called the backdoor number to recon the Ring app and they approved me for $2.5k. I then asked about transfering the limit from the apple card to the ring and the person that did the recon for me told me that wasn't an option... so I called back in to the regular number and had the full limit transfered and the apple card closed in less than 3 minutes. $4.5k is my second highest limit, but ring has a lower apr by 5%. My TU is a 676 according to walmart fico, aaoa 2.6 years, 1 year old collection 90+day, 120+day charge off in 2010, util around 40%. 7 inq.

Congrats on your approvals

Re: Apple and Ring approvals from Barclays

One7 — Thu, 17 Apr 2014 06:17:58 GMT

Very cool, congratulations

Re: Apple and Ring approvals from Barclays

Anonymous — Mon, 21 Apr 2014 01:25:19 GMT

Congrats!