topic Re: Barclay Application Question in Credit Card Applications

Barclay Application Question

Anonymous — Tue, 18 Nov 2014 04:34:31 GMT

I've read conflicting information and I was wondering if anyone knew from experience.....

If you apply for two Barclay cards within an hour or so do they usually double pull TU or pull another one for the second app like EX or EQ or just use the old TU from the 1st?

I was asking because I was going to finally try for a Barclaycard and apply for the one I really want and if denied, go ahead and try for option 2 if it didn't cost me a double TU pull thank you

Re: Barclay Application Question

-Cal- — Tue, 18 Nov 2014 04:36:14 GMT

I've never heard of Barclay pulling EQ or EX.

Re: Barclay Application Question

Anonymous — Tue, 18 Nov 2014 04:40:25 GMT

@-Cal- wrote:
I've never heard of Barclay pulling EQ or EX.

Thank you.

Do you know if they double TU pull for two apps at similar time?

Re: Barclay Application Question

Anonymous — Tue, 18 Nov 2014 04:42:07 GMT

The only credit card I have not attached to a store is a Barclays card. It was recommended to me by CreditKarma. My TU score is 100 points lower than my Experian and Equifax. My TU score has not increased much after getting the Barclays card. I sometimes regret applying for it.

Re: Barclay Application Question

Anonymous — Tue, 18 Nov 2014 04:44:11 GMT

@Anonymous wrote:
The only credit card I have not attached to a store is a Barclays card. It was recommended to me by CreditKarma. My TU score is 100 points lower than my Experian and Equifax. My TU score has not increased much after getting the Barclays card. I sometimes regret applying for it.

Oh wow. thank you for the advice!

Re: Barclay Application Question

Anonymous — Tue, 18 Nov 2014 04:48:21 GMT

My score has gone up since having Barclays and I have only had it about a month. Do you use it regularly? Have you done any balance transfers?

Re: Barclay Application Question

Anonymous — Tue, 18 Nov 2014 05:23:06 GMT

I use my Barclays card about twice a month. I try to keep the balance under $50. CreditKarma gives me updates once a week. I have had the same score from TU 3 reports in a row. My Vantage score increased by about 40 points in the same time on CreditKarma. Barclays was my first credit card after 13 years of having none. Wish I had read this forum and skipped out on the Barclays card.

Re: Barclay Application Question

coldnmn — Tue, 18 Nov 2014 10:45:29 GMT

When I got my Barclay Ring at first I was denied they pulled TU. When I called and reconed they pulled EX.

Re: Barclay Application Question

matthew2115 — Tue, 18 Nov 2014 19:18:25 GMT

@Anonymous wrote:
@-Cal- wrote:
I've never heard of Barclay pulling EQ or EX.
Thank you.

Do you know if they double TU pull for two apps at similar time?

I just applied and was approved for 2 Barclays cards yesterday. 2 HPs on TU. I was thinking about calling them up to see if they'd take one of those off, but I'm not going to lose any sleep over it.

Re: Barclay Application Question

ojefferyo — Tue, 18 Nov 2014 20:50:18 GMT

@Anonymous wrote:
The only credit card I have not attached to a store is a Barclays card. It was recommended to me by CreditKarma. My TU score is 100 points lower than my Experian and Equifax. My TU score has not increased much after getting the Barclays card. I sometimes regret applying for it.

Depends what credit limit they give you, if it's significant enough it will reduce your overall utilization and raise your score.

Re: Barclay Application Question

Anonymous — Wed, 19 Nov 2014 03:36:42 GMT

I applied for and got two Barclays on the same day with one TU pull. Definitely not guaranteed as you read a couple posts back

Re: Barclay Application Question

matthew2115 — Fri, 21 Nov 2014 00:15:45 GMT

@Anonymous wrote:
I applied for and got two Barclays on the same day with one TU pull. Definitely not guaranteed as you read a couple posts back

Quick update - my report just refreshed again and the second TU pull has disappeared! So I really ended up with just one pull for 2 approvals. Also, Barclays has already reported the 2 new lines (to TU at least) just 3 days after opening. Don't even have the cards yet!