topic Re: Barclays in Credit Card Applications

Barclays

Anonymous — Thu, 21 Jan 2016 22:04:44 GMT

I have mid to high 500 scores which i have read is acceptable by barclays.

I have 1 card reporting for 9 months and two Cap1 cards i just got only two months in.

Do you thnk they will struggle with the two new cards?

Re: Barclays

Anonymous — Thu, 21 Jan 2016 22:07:06 GMT

Inquires: 4 EX 4: TU 3: EQ

Re: Barclays

Anonymous — Fri, 22 Jan 2016 02:52:12 GMT

Barclay normally likes to see a year of payment and history with another major card before opening their doors. That's only 3 months away. Why not work to get your scores up over the next 3 months and apply at that time? I believe that would increase your chances of success.

Better yet, you can choose to wait 4 months and at that time you will have one year of history with your first card and a full 6 months of history with both Capital One cards. (this only applies if the first card you mention is a major credit card). Your goal is to apply with the strongest possible profile and to maximize your chances of success. Best of luck.

Re: Barclays

Anonymous — Thu, 21 Jan 2016 23:07:09 GMT

hmm.

Well would rather have sooner then later, but i can wait thats not an issue. Was just curious of chances. also hear they have a great recon deptartment.

Re: Barclays

Anonymous — Thu, 21 Jan 2016 23:08:22 GMT

They definitely want to see one full year of history with another major card

Re: Barclays

Anonymous — Thu, 21 Jan 2016 23:29:26 GMT

thank you for the insight

Re: Barclays

lindsaydruart — Fri, 22 Jan 2016 04:13:39 GMT

Try the prequal site. If you get a firm rate and a "Congratulations" go for it. https://www.barclaycardus.com/apply/ProactivePrescreenCapture.action

Re: Barclays

Espresso — Fri, 22 Jan 2016 17:51:31 GMT

@Anonymous wrote:
I have mid to high 500 scores which i have read is acceptable by barclays.

I have 1 card reporting for 9 months and two Cap1 cards i just got only two months in.

Do you thnk they will struggle with the two new cards?

Min. 12 month history and that may not even get you in. I had a 12 month history and the rep on the phone said my history was too short for Barclay Rewards.

I then directly went and apped for the Barclay Apple Rewards Card and got $2,000 CL.

Also, those 500's scores might be a bit low. YMMV.

Re: Barclays

Anonymous — Fri, 22 Jan 2016 18:07:01 GMT

@Espresso wrote:
@Anonymous wrote:
I have mid to high 500 scores which i have read is acceptable by barclays.

I have 1 card reporting for 9 months and two Cap1 cards i just got only two months in.

Do you thnk they will struggle with the two new cards?
Min. 12 month history and that may not even get you in. I had a 12 month history and the rep on the phone said my history was too short for Barclay Rewards.

I then directly went and apped for the Barclay Apple Rewards Card and got $2,000 CL.

Also, those 500's scores might be a bit low. YMMV.

Re: Barclays

Anonymous — Fri, 22 Jan 2016 18:17:03 GMT

@Espresso wrote:
@Anonymous wrote:
I have mid to high 500 scores which i have read is acceptable by barclays.

I have 1 card reporting for 9 months and two Cap1 cards i just got only two months in.

Do you thnk they will struggle with the two new cards?
Min. 12 month history and that may not even get you in. I had a 12 month history and the rep on the phone said my history was too short for Barclay Rewards.

I then directly went and apped for the Barclay Apple Rewards Card and got $2,000 CL.

Also, those 500's scores might be a bit low. YMMV.

Agreed. I was approved for my Apple Rewards card with my Bankruptcy still reporting. It was for 2k and has not moved from that since then. A few months later when my scores had skyrocketed I applied for Ring and was approved for 12.5k so waiting does make a huge difference. I think at some point at the end of this year I will just fold that Apple card into the Ring, if I can't get the credit line raised.

Re: Barclays

Anonymous — Fri, 22 Jan 2016 19:19:43 GMT

@Anonymous wrote:
@Espresso wrote:
@Anonymous wrote:
I have mid to high 500 scores which i have read is acceptable by barclays.

I have 1 card reporting for 9 months and two Cap1 cards i just got only two months in.

Do you thnk they will struggle with the two new cards?
Min. 12 month history and that may not even get you in. I had a 12 month history and the rep on the phone said my history was too short for Barclay Rewards.

I then directly went and apped for the Barclay Apple Rewards Card and got $2,000 CL.

Also, those 500's scores might be a bit low. YMMV.
Agreed. I was approved for my Apple Rewards card with my Bankruptcy still reporting. It was for 2k and has not moved from that since then. A few months later when my scores had skyrocketed I applied for Ring and was approved for 12.5k so waiting does make a huge difference. I think at some point at the end of this year I will just fold that Apple card into the Ring, if I can't get the credit line raised.

You will get it, musiclover, you are doing great! Remkember they should have the SP offers if you call in, when the time is right for you, Try to get the line raised before folding it in.

Re: Barclays

bk510 — Fri, 22 Jan 2016 21:17:43 GMT

@Anonymous wrote:
hmm.

Well would rather have sooner then later, but i can wait thats not an issue. Was just curious of chances. also hear they have a great recon deptartment.

That depends on who you ask.....I did not have a good experience with recon dept.

They acted like as if I done killed somebody....lol

Re: Barclays

Anonymous — Sat, 23 Jan 2016 00:10:37 GMT

lol. as with anything. some get good. some get bad.. itfs friday, most people are happy

Re: Barclays

KSK1912 — Sat, 23 Jan 2016 07:42:57 GMT

They pull TU for the majority of the time, what is your TU score and is it a fico or fako score?

If you have to, and you want to apply with them, i would recommend Apple Rewards card. I got declined for the rewards MC, called in first thing in the morning, reconned and got approved, and the same evening applied for apple card and got an instant approval for $2K which happened to be my first instant approval on an unsecure credit card. And i love Barclays. Yes their recon is slightly better than any other i have ever tried, but still it does not guarantee anything.

Re: Barclays

Anonymous — Sat, 23 Jan 2016 17:12:21 GMT

@bk510 wrote:
@Anonymous wrote:
hmm.

Well would rather have sooner then later, but i can wait thats not an issue. Was just curious of chances. also hear they have a great recon deptartment.
That depends on who you ask.....I did not have a good experience with recon dept.
They acted like as if I done killed somebody....lol

+1 ^^ in my experience their recon dept is full of jerks. They were very rude and told me I did not have a strong enough credit profile even though my avg age of accounts is over 5 years, 100% on time payments, and I have discover and Amex in my wallet. I hear a lot from other members that they're always soft pulling your credit and monitoring you for adverse action.

Bank of America on the other hand, very nice dude, very willingly to work with me and explain everything on why I would/wouldn't be approved.

Re: Barclays

SouthJamaica — Sun, 24 Jan 2016 01:17:08 GMT

@Anonymous wrote:
I have mid to high 500 scores which i have read is acceptable by barclays.

I have 1 card reporting for 9 months and two Cap1 cards i just got only two months in.

Do you thnk they will struggle with the two new cards?

I think you need to get your scores up first.

As to their recon department, IMHO it's overrated.

Re: Barclays

bk510 — Sun, 24 Jan 2016 02:27:43 GMT

@Anonymous wrote:
@bk510 wrote:
@Anonymous wrote:
hmm.

Well would rather have sooner then later, but i can wait thats not an issue. Was just curious of chances. also hear they have a great recon deptartment.
That depends on who you ask.....I did not have a good experience with recon dept.
They acted like as if I done killed somebody....lol
+1 ^^ in my experience their recon dept is full of jerks. They were very rude and told me I did not have a strong enough credit profile even though my avg age of accounts is over 5 years, 100% on time payments, and I have discover and Amex in my wallet. I hear a lot from other members that they're always soft pulling your credit and monitoring you for adverse action.

Bank of America on the other hand, very nice dude, very willingly to work with me and explain everything on why I would/wouldn't be approved.

I used to worry about Barclay AA'ing me.....But no more. Been stuck on 4.3K for a while now and showing me no love.

I'm movin' on....I feel like I have better cards now. Just got approved with NASA for 8K (SP) and Promise Visa and BBVA 5.5K.

I would say B of A is slightly better but thats not saying much.....

Re: Barclays

bk510 — Sun, 24 Jan 2016 02:28:18 GMT

@SouthJamaica wrote:
@Anonymous wrote:
I have mid to high 500 scores which i have read is acceptable by barclays.

I have 1 card reporting for 9 months and two Cap1 cards i just got only two months in.

Do you thnk they will struggle with the two new cards?
I think you need to get your scores up first.

As to their recon department, IMHO it's overrated.

Yes Sir,