topic Re: Is Barclay's Forgiving? in Credit Card Applications

Is Barclay's Forgiving?

Meanmchine — Thu, 28 Jul 2016 18:53:10 GMT

Does Barclay's forgive and forget? I have a 7 year old unpaid $2k CO that just aged off my TU report. My current TU is 728 (Vantage) and I wont know my Fico8 for 2 more weeks

I really dont want to open another Synchrony account as I want to diversify my portfolio. TU is by far my strongest file atm.

Re: Is Barclay's Forgiving?

Anonymous — Thu, 28 Jul 2016 20:04:09 GMT

@Meanmchine wrote:
Does Barclay's forgive and forget? I have a 7 year old unpaid $2k CO that just aged off my TU report. My current TU is 728 (Vantage) and I wont know my Fico8 for 2 more weeks
I really dont want to open another Synchrony account as I want to diversify my portfolio. TU is by far my strongest file atm.

Im sure they do forgive and forget but whether 7 years is enough time for them to forget especially if you never repaid them is hard to know. Even if it's not on your reports they know about it. Without knowing your Fico TU score its really difficult say as it can be completely different than your Vantage score. At some point youre just going to have to apply and find out how they respond. If thye havent forgotten or forgave then its entirely possible that they wont even process the application and give you a HP. Good luck if you try and let us kknow what happens.

Re: Is Barclay's Forgiving?

Anonymous — Thu, 28 Jul 2016 22:50:17 GMT

If the charge off were paid, maybe. Unpaid, unlikely.

Re: Is Barclay's Forgiving?

Loquat — Thu, 28 Jul 2016 23:10:36 GMT

I had a Juniper Visa almost 10 years ago that was included in my BK13 and to this very day Barclays still hates me for it. So in my experience, no, they don't forgive and certainly haven't forgotten.

Re: Is Barclay's Forgiving?

Meanmchine — Thu, 28 Jul 2016 23:30:05 GMT

my charge off was a Junper card

Re: Is Barclay's Forgiving?

Anonymous — Fri, 29 Jul 2016 01:06:45 GMT

@Meanmchine wrote:
my charge off was a Junper card

I would try barclay's pre-qual link and see what it comes up with?

Re: Is Barclay's Forgiving?

Meanmchine — Fri, 29 Jul 2016 02:04:55 GMT

Barclays has a prequal link??

Re: Is Barclay's Forgiving?

Anonymous — Fri, 29 Jul 2016 11:22:42 GMT

@Meanmchine wrote:
Barclays has a prequal link??

yeah they do, that's how I got mine. Just google barclay credit card prequalify and it will be a soft pull, they will tell you right away if you qualify or not.

Best of luck!

Re: Is Barclay's Forgiving?

Anonymous — Fri, 29 Jul 2016 12:41:31 GMT

@Anonymous wrote:
@Meanmchine wrote:
Barclays has a prequal link??
yeah they do, that's how I got mine. Just google barclay credit card prequalify and it will be a soft pull, they will tell you right away if you qualify or not.
Best of luck!

They did at one time have one but they no longer have it. Been that way for quite some time.

Re: Is Barclay's Forgiving?

melillobm — Fri, 29 Jul 2016 13:44:52 GMT

I had the same problem this week with Bank of America. They won't approve me for anything and it's been 7 years since my CH7 Bankruptcy where a credit card I had with them was discharged. I apped for three cards this week, got approved for the AMEX gold (already have another card with them), Barclays Apple Rewards (never had a barclays card before), and got denied by Bank of America. When I called for recon the rep just said its because you discharged the card you had with us-- no other reason. He was actually really nasty on the phone. Don't know what his deal was.

Re: Is Barclay's Forgiving?

Anonymous — Fri, 29 Jul 2016 18:59:45 GMT

@Anonymous wrote:
@Anonymous wrote:
@Meanmchine wrote:
Barclays has a prequal link??
yeah they do, that's how I got mine. Just google barclay credit card prequalify and it will be a soft pull, they will tell you right away if you qualify or not.
Best of luck!
They did at one time have one but they no longer have it. Been that way for quite some time.

it's very uncool that they took it away,, it was available this past February

Re: Is Barclay's Forgiving?

Meanmchine — Fri, 29 Jul 2016 23:03:42 GMT

BoA always hated me and i have no idea why. I never had a credit card with them but ive had my checking and savings account with them for 15 years. In addition they took over my Countrywide mortgage and never had a missed payment. To be fair tho i havnt applied to BoA in years but their prequal site shows me no love.

Re: Is Barclay's Forgiving?

Loquat — Sat, 30 Jul 2016 08:18:19 GMT

@Meanmchine wrote:
BoA always hated me and i have no idea why. I never had a credit card with them but ive had my checking and savings account with them for 15 years. In addition they took over my Countrywide mortgage and never had a missed payment. To be fair tho i havnt applied to BoA in years but their prequal site shows me no love.

You're not alone, their pre-qual site never worked for me either...and I've banked with them for most of my life. I took a chance a couple of months ago and cold app'd for the CashRewards and a week later the TravelRewards. Both approved and my BK13 is still showing on my reports.

Re: Is Barclay's Forgiving?

Meanmchine — Sat, 30 Jul 2016 12:52:34 GMT

Congrats ! The last time i applied i got a we'll let you know letter so after 2 weeks, i went down to my BoA branch and had the manager call into UW where i was then denied. I spoke with the LO who wouldnt even offer me a secured card. I even offered to secure a $500 account with $2500 cash and he said no. Never applied for a BoA again

Re: Is Barclay's Forgiving?

Anonymous — Sat, 30 Jul 2016 15:55:30 GMT

@Anonymous wrote:
If the charge off were paid, maybe. Unpaid, unlikely.