topic Re: Qualifications for Barclay in Credit Card Applications

Qualifications for Barclay

Creditplz — Sun, 24 Jan 2016 03:57:35 GMT

I'm just wondering what kind of scores would be ideal for Barclay? I know it varies on Credit Profile but just out of curiosity?

Re: Qualifications for Barclay

Anonymous — Sun, 24 Jan 2016 04:05:19 GMT

Which card?

Re: Qualifications for Barclay

Creditplz — Sun, 24 Jan 2016 04:44:30 GMT

Either Upromise , Arrival , Arrival + , or apple cards

Re: Qualifications for Barclay

Anonymous — Sun, 24 Jan 2016 05:01:15 GMT

Do not know about the UPromise.

Arrival and Arrival+ probably the most difficult of the 4 to get approved for. I'd suggest mid-to-high 600's. Closer to 700 for the Arrival+ (at least, if you want a decent limit). I was approved for their US Airways card with a 660-670 ($5k SL). I'd imagine similar UW criteria for the Arrival. I was four years past my last baddie.

For the Apple, anything near a 600 seems to be good enough. Some have gotten approved with high-500's.

Barclays likes a year of positive history with credit cards, I learned this first-hand when applying on behalf of DH. His AU accounts were completely ignored by the underwriter I spoke with. Not saying this applies to you, but it's good information to be aware of. Granted, this was for a Ring application, which the UW told me they had the strictest criteria for.... but they gave me one, so they can't be too strict.

Last, but not least, they almost exclusively check TransUnion.

Re: Qualifications for Barclay

Creditplz — Sun, 24 Jan 2016 05:21:53 GMT

So which one of their cards do you think is the easiest to be approved on?

Re: Qualifications for Barclay

Anonymous — Sun, 24 Jan 2016 05:27:38 GMT

The Apple.

Re: Qualifications for Barclay

Anonymous — Sun, 24 Jan 2016 17:52:40 GMT

I had applied for the Barclays Arrival during Christmas week with a 734 TU FICO and was declined for too many inquires (5) and for too many new accounts recently opened. Tried reconning 2 times and both times got the exact reasons. They told me they'd like to see some history with the new accounts. I'll try again in 6 months.

Re: Qualifications for Barclay

SouthJamaica — Sun, 24 Jan 2016 21:08:54 GMT

@Creditplz wrote:
Either Upromise , Arrival , Arrival + , or apple cards

The Apple and Rewards cards are the easiest to get; TU scores in mid 600's might do it.

Re: Qualifications for Barclay

klarso11 — Sun, 24 Jan 2016 21:42:58 GMT

I was approved for Barclay Rewards with $2K limit in May 2015 score then was 633. I'm at $3.3K now and will get another SP cli in April, according to them. They also encouraged me to apply for additional Barclay cards (NFL) at any time.

Re: Qualifications for Barclay

KSK1912 — Sun, 24 Jan 2016 22:29:53 GMT

@Creditplz wrote:
So which one of their cards do you think is the easiest to be approved on?

Mid 600, i got denied online. Early in the morning i called in and reconned and got approved for $1000 for their Rewards MC. Same night, right before i went to bed, i was on apple's website, i said what the hell and applied for Apple and got an instant approval for $2K which makes it my very first instant approval on an unsecure card ever. They may have some kind of a deal with apple to give out so many cards, and therefore seem to have less stricter approval conditions. I Love the cards, website, app, customer service, all A++ Recon was easy, i was asked about the so many (13) store cards i had opened within the last few months, and i told the rep those were mainly for utilization, and to add some accounts, eventually would all be closed as i got approved for better cards. I said being a male, those are all female store cards, therefore i could not even use them even i wanted to, he laughed They do not like inquiries. That's one thing to watch for. Otherwise, awesome company. I had both cards in my hand in less than 24 hours. I would recommmed apping for the apple card first, and ifyou get approved, then you can ry one of the other ones you want. If not, and you have to recon, i would not even try for another one as apple is really the easiest one. After i get my first auto cli's on both cards, i will combine them into one card for a one higher limit card and close the other one. Make sure you app on the same day for both cards, so you can have one inq for 2 cards. Don't leave it to the last minute before midnight as they may be in a different time zoe (Eastern) and one app may have a different date and you may get hit with 2 inq's.

Re: Qualifications for Barclay

Anonymous — Sun, 24 Jan 2016 23:07:20 GMT

@Creditplz wrote:
I'm just wondering what kind of scores would be ideal for Barclay? I know it varies on Credit Profile but just out of curiosity?

As the above poster said, even with mid 600s you can get denied. To get a general consensus of the ranges of scores, file, state etc.., your best bet is to consult the credit pull database. There, you will get a variety and come to an almost decent conclusion to your question asked above.

Re: Qualifications for Barclay

happypill — Mon, 25 Jan 2016 06:47:23 GMT

I believe you can get approved in the mid 600s for most Barclay's cards, perhaps even low 600s for the Apple card, but they hate inquiries and really hate new accounts. If you have few inquiries and new accounts, there's a good chance you could be successful on recon with Barclay's. If you try to recon with too many inquiries or new accounts, they will not look past that.

Re: Qualifications for Barclay

Anonymous — Tue, 26 Jan 2016 00:12:19 GMT

@happypill wrote:
I believe you can get approved in the mid 600s for most Barclay's cards, perhaps even low 600s for the Apple card, but they hate inquiries and really hate new accounts. If you have few inquiries and new accounts, there's a good chance you could be successful on recon with Barclay's. If you try to recon with too many inquiries or new accounts, they will not look past that.

They sure do. That's why I had to recon my Sallie Mae with a TU score of 800.