topic Re: Barclay Apple Rewards Question in Credit Card Applications

Barclay Apple Rewards Question

Anonymous — Sun, 08 Mar 2020 16:14:56 GMT

I have a 720 Experian. Credit score. But my income is null. I worked part time seasonal in December but since Jan-feb didn't work.

my question is I want to apply for the barclay rewards with Apple. I want to get a MacBook Pro.

will I get approved? Thanks.

Re: Barclay Apple Rewards Question

Anonymous — Sun, 08 Mar 2020 16:23:34 GMT

@Anonymous wrote:
I have a 720 Experian. Credit score. But my income is null. I worked part time seasonal in December but since Jan-feb didn't work.

my question is I want to apply for the barclay rewards with Apple. I want to get a MacBook Pro.

will I get approved? Thanks.

Why not go for the Apple Card? You can apply on your phone and get an instant decision with no hard inquiry on your credit report. If they deny you, move on. If they accept you, and you accept their terms, they'll do a hard pull and give you a card.

Re: Barclay Apple Rewards Question

Anonymous — Sun, 08 Mar 2020 16:26:01 GMT

IMO, I'd wait on both since you have little to no income. That's going to start some frivolous debt if you don't have a job. Good luck!

Re: Barclay Apple Rewards Question

Anonymous — Sun, 08 Mar 2020 16:33:20 GMT

So. I mean. I do get income but not like a pay check from work. I do jobs like using my truck to pick up and deliver. So I actually bring in 800$ a month on the side Cash daily.

Re: Barclay Apple Rewards Question

Anonymous — Sun, 08 Mar 2020 16:35:38 GMT

Oh ok. I just saw that you wrote you hadn't been working a couple months. I would say try the GS Apple Card if you have an iPhone.

Re: Barclay Apple Rewards Question

Anonymous — Sun, 08 Mar 2020 16:37:54 GMT

Okay. Just wondering for my curiosity. How does it work. When credit companies go about approvals how do they know you work or when I have a 720 fico

Re: Barclay Apple Rewards Question

Anonymous — Sun, 08 Mar 2020 16:40:14 GMT

They pull your credit. In the case of GS Apple Card, they pull TU9.

Re: Barclay Apple Rewards Question

Anonymous — Sun, 08 Mar 2020 17:59:42 GMT

You can't even apply for the Barclays Apple Rewards card anyway. Its closed to new apps. You can apply for the Barclays Financing VISA which only has deferred financing if you want to go that route but you're probably better off getting a card with a true 0% intro period and a SUB.

Re: Barclay Apple Rewards Question

pinkandgrey — Sun, 08 Mar 2020 19:34:42 GMT

Whether you should or shouldn't buy a Mac isn't really our concern lol so to simply answer YOUR question: I would say that your odds of approval are better on Apple Card (through the iPhone) than on the Barclays card. Barclays can be tough and a little unpredictable. Plus, the rewards are far superior on Apple Card and you can get "prequaled" without actually applying.

Good luck!

Re: Barclay Apple Rewards Question

SFLSpotter9210 — Mon, 09 Mar 2020 02:13:34 GMT

I have the Barclays 🍎 card. I applied December of 2017 with a TU 725 and good income no negatives. They started me out with a 1k SL. And I'm not willing to to take a HP to do a CLI so it's sock drawered. Wanted a MacBook Pro also to get the 0% but can't get that with a 1K CL. Their a very conservative bank so just be aware. Good luck with whatever you decide. Sorry for the choppy response I'm falling asleep as I type. Also The Apple Card from GS doesn't do financing on iPads or MacBook yet but they say it's coming in the future.

Re: Barclay Apple Rewards Question

cr101 — Mon, 09 Mar 2020 02:46:51 GMT

i had some 3-yr-old delinquencies when i applied, my score was probably in the 650s, and i didn't realize til i reconned that i had miskeyed my salary. if i recall correctly, it was less than 10k salary that i input the rep approved me for 1k after i gave her my correct salary.

eta: didn't see your post about your actual income and question about how they know you work. they don't unless they ask for proof of income. i'd just give a good estimate of how much you make (800/month) and see what happens. be honest, though. i imagine that if they decline and you recon, they'd want proof since you're self-employed. barclays reps are really friendly and easy to work w, though.

Re: Barclay Apple Rewards Question

Anonymous — Mon, 09 Mar 2020 11:29:48 GMT

Cr101

what's the recon number.

Re: Barclay Apple Rewards Question

magixnite — Mon, 09 Mar 2020 23:44:18 GMT

@Anonymous wrote:
You can't even apply for the Barclays Apple Rewards card anyway. Its closed to new apps. You can apply for the Barclays Financing VISA which only has deferred financing if you want to go that route but you're probably better off getting a card with a true 0% intro period and a SUB.

^ This. There is no benefit in getting the Barclays Financing Visa (formerly Apple Rewards) unless you simply want a Barclays card to have one. This card no longer has rewards, just financing which is the same as a 12 month 0% APR card. If you are worried about not getting enough credit and need financing too, get a card from a lender with Intro 0% APR and willing to give a good credit line (like Discover).

If you want rewards I would then look into the Apple Card as it's 3% cashback if you buy at the Apple Store or website. Also, a bonus they will tell you your credit line before you accept the card. So you can avoid a hardpull if you don't like the limit and choose not to accept it.

Re: Barclay Apple Rewards Question

Anonymous — Tue, 10 Mar 2020 00:39:04 GMT

@magixnite wrote:
@Anonymous wrote:
You can't even apply for the Barclays Apple Rewards card anyway. Its closed to new apps. You can apply for the Barclays Financing VISA which only has deferred financing if you want to go that route but you're probably better off getting a card with a true 0% intro period and a SUB.
^ This. There is no benefit in getting the Barclays Financing Visa (formerly Apple Rewards) unless you simply want a Barclays card to have one. This card no longer has rewards, just financing which is the same as a 12 month 0% APR card. If you are worried about not getting enough credit and need financing too, get a card from a lender with Intro 0% APR and willing to give a good credit line (like Discover).

If you want rewards I would then look into the Apple Card as it's 3% cashback if you buy at the Apple Store or website. Also, a bonus they will tell you your credit line before you accept the card. So you can avoid a hardpull if you don't like the limit and choose not to accept it.

It's worse than that. It's a deferred interest offer which means if it isn't paid off by the time the deferred period ends, you get charged interest retroactively to the purchase date. This won't happen on a 0% intro APR card.

Re: Barclay Apple Rewards Question

cr101 — Tue, 10 Mar 2020 02:29:46 GMT

@Anonymous wrote:
Cr101

what's the recon number.

"Barclays: 866-205-5973 (credit analyst 24 hours) "...that's the number that i dialed. i got it from https://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/td-p/408066