topic Re: Apple Barclay Card Declined in Credit Card Applications

Apple Barclay Card Declined

Anonymous — Sun, 18 Jan 2015 14:28:11 GMT

Hello every body

MY name is Maxwel Brooklyn, I am new on this forum . I wanted to sign up on Barclay Visa Card and Apple Reward But they are always Declined me . Please anybody help me How should i Sign up on. what do i have to do to sign up.

Re: Apple Barclay Card Declined

Anonymous — Sun, 18 Jan 2015 14:35:10 GMT

@maxwellbrooklyn,

Welcome... How does your credit profile look like? Most importantly, what is your TU FICO score as that is what Barlclays uses for their applications. If you don't know what it is, you can get it on this site.

Re: Apple Barclay Card Declined

Anonymous — Sun, 18 Jan 2015 14:39:09 GMT

Thanks for your reply bro Please I dont understand the meaning of TU FICO score

Can you Please explain everything How to sign up on TU FICO score

Re: Apple Barclay Card Declined

Anonymous — Sun, 18 Jan 2015 14:43:15 GMT

Bro Do you have chatting messenger like Yahoo Id or ICQ or whatapp or BBM or Jabber so we can chat better.

Hope to hear from you soon.

Re: Apple Barclay Card Declined

Anonymous — Sun, 18 Jan 2015 14:57:17 GMT

@Maxwellbrooklyn,

TU FICO is Transunion FICO. This site you are on thus www.myfico.com has all the scores for Experian, Transunion, Equifax. You can subscribe to get updates when something hits your credit report and you can also see what your current scores for a small fee a month. I suggest you sign up and pull all 3 scores before applying for anything else.

Unfortunately, I am not on any messenger.. But will try to respond to your questions in this thread.

Re: Apple Barclay Card Declined

Anonymous — Sun, 18 Jan 2015 15:17:58 GMT

Alright bro which one do you prefer Out of the 3 for me ,

1 3-Bureau
Credit Monitoring

2 Identity
Ultimate

3 Score
3-Report View

Re: Apple Barclay Card Declined

Anonymous — Sun, 18 Jan 2015 15:24:19 GMT

@MaxwellBrooklyn,

If you get the 3 bureau monitoring which gives you your score, you don't need the other 2 in my opinion. Whenever there is a change / something fishy going on, the monitoring services will alert you. Unless you want to get all that you listed but it is not necessary. The reason why I am suggesting myfico is most companies use their score. So like the Barclays Apple card you wanted, Barlclays will be using information from myfico. I think all 3 bureaus with my fico + scores is I think $21 a month..

Do you know what your credit scores are? If so, what are they?

Re: Apple Barclay Card Declined

Anonymous — Sun, 18 Jan 2015 15:53:21 GMT

Oh okay Big Bro But I dont know my Credit socres I wanna sign up now. After Sign up Hope I can know my Credit score? and How about If I wanna Increase my Credit score or If I wanna Apply for Barclaycard Card Apple Reward ?

Thanks Bro

Re: Apple Barclay Card Declined

Anonymous — Sun, 08 Mar 2015 20:28:25 GMT

@Anonymous wrote:
Oh okay Big Bro But I dont know my Credit socres I wanna sign up now. After Sign up Hope I can know my Credit score? and How about If I wanna Increase my Credit score or If I wanna Apply for Barclaycard Card Apple Reward ?
Thanks Bro

@Anonymous,

Sign up now and once you are done signing up, it will immediately give you all your 3 current scores and reports. It then updates your reports continuously when there is a change or when something reports. It will give you your full reports only once a year. Once you have your scores and reports, tell us what is in it and we will help you as to what to do to increase your scores before any application. If you have been declined twice by Barclays, lets analyze your report and scores before you apply otherwise it will be the same result.

Another thing you want to do also is, before you apply for anycard, check the credit database and it will give you an idea of what each company pulls and the range of scores that people where approved for. It is {Links to that website are not allowed to be posted-MarineVietVet, myFICO moderator} Then click on credit pulls and type the company name and results should pop up.

Re: Apple Barclay Card Declined

elim — Sun, 18 Jan 2015 16:12:24 GMT

Re: Apple Barclay Card Declined

Anonymous — Sun, 18 Jan 2015 17:43:31 GMT

Okay bro But One of my friend that Use credit line to card in apple store told me that he only use SSN and DOB on Barclaycard apple reward and He Got Approved do you know that methold ?

Re: Apple Barclay Card Declined

elim — Sun, 18 Jan 2015 18:07:18 GMT

@Anonymous wrote:
Okay bro But One of my friend that Use credit line to card in apple store told me that he only use SSN and DOB on Barclaycard apple reward and He Got Approved do you know that methold ?

Yes thats what you usually supply...

name, address, DOB, SSN, phone, etc.

Then Barclays "runs our credit" by pulling our credit file from TransUnion and its attached score. Your friends score must have been high enough. You won't know what yours is until you pull your TransUnion Report and score from here or wait for the denial letter from barclays that will have the score they pulled and the reasons they denied you. If you have a lot of unpaid bills on your reports then it may take some time to start being approved for credit cards, It may be something simple and easily fixed. won't know until you look and see.

Re: Apple Barclay Card Declined

Anonymous — Sun, 18 Jan 2015 18:29:47 GMT

Don't rush to subscribe for 3 bureau monitoring. It costs just under 20 dollars a month with a minimum 3 month subscription. It makes sense for some people, but not for everyone. You might want to do some searches related to credit information as well since it sounds like you are new to this.

Credit card issuers like Barclays do a credit check before approving applications for credit. Most major issuers generally pull a credit report from one or more of the credit bureaus. Equifax, Transunion, and Experian are the credit bureaus they pull your reports from. Additionally, they pull a special score, most often a variant of your FICO score. You have a unique FICO score from each credit bureau since the bureaus sometimes have slightly different information. In order to pull your credit report they need your name, social, address, birthdate and other such information. After pulling your report, the issuer considers your overall credit report, your FICO score, your income, and other factors to determine whether or not to approve your credit application.

Barclays is known to pull from your Transunion credit report. Since they pull from Transunion, they consider the report information and the FICO score based on your Transunion report. Negative information on that report like missed or late payments, high credit card or other debt, or other such factors could have influenced their decision to deny you credit. You might want to try calling Barclays on Monday to see if you can get them to reconsider your application, If you are a borderline applicant, they might be willing to reconsider. The reconsideration number for Barclays is 866-408-4064 (Credit Analyst). If you have a limited credit history or negatives on your report, they might not be willing to reconsider. I don't believe you can call the reconsideration number other than on weekdays for Barclays (some banks like Chase have recons available on weekends).

Finally, consider browsing these forums. Some threads to visit are linked here:

1. Useful threads link - http://ficoforums.myfico.com/t5/General-Credit-Topics/Frequently-Requested-Threads/td-p/10675

2. Common Abbreviations link - http://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/m-p/88458

Re: Apple Barclay Card Declined

Anonymous — Sun, 18 Jan 2015 19:15:34 GMT

@Random83,

This -You might want to try calling Barclays on Monday to see if you can get them to reconsider your application, If you are a borderline applicant, they might be willing to reconsider. The reconsideration number for Barclays is 866-408-4064 (Credit Analyst).

MaxwellBrooklyn does not know what is on his report nor does he know what his score is. Wouldn't it be smart on his side to pull his report and know his score before calling and wasting an analyst time? When you think about it, his chances of reconning succesful is zero to none if he doesn't know what he is talking about.

I also think it is smart move for him to pull his reports first because he can only fix the problem if he knows what is on your report.

Re: Apple Barclay Card Declined

Anonymous — Sun, 18 Jan 2015 19:20:07 GMT

Okay bro But One of my friend that Use credit line to card in apple store told me that he only use SSN and DOB on Barclaycard apple reward and He Got Approved do you know that methold ?

Re: Apple Barclay Card Declined

Anonymous — Sun, 18 Jan 2015 19:26:52 GMT

@Anonymous wrote:
@Anonymous,

This -You might want to try calling Barclays on Monday to see if you can get them to reconsider your application, If you are a borderline applicant, they might be willing to reconsider. The reconsideration number for Barclays is 866-408-4064 (Credit Analyst).

MaxwellBrooklyn does not know what is on his report nor does he know what his score is. Wouldn't it be smart on his side to pull his report and know his score before calling and wasting an analyst time? When you think about it, his chances of reconning succesful is zero to none if he doesn't know what he is talking about.

I also think it is smart move for him to pull his reports first because he can only fix the problem if he knows what is on your report.

You can pull your report for free from annualcreditreport.com. Any major derogatory marks can be seen. A FICO score is useful and paying for it might make sense. However, let's say he is 20 years old with limited income. In such a scenario, paying 20-60 bucks for a score might not make sense and a report should be enough. While I agree he should pull his report, I am not so sure he should pay for the 3 bureau monitoring as it is a minimum of $60 invested over 3 months. Whether or not the service makes sense for him depends on his unique financial circumstances.

@Anonymous wrote:
Okay bro But One of my friend that Use credit line to card in apple store told me that he only use SSN and DOB on Barclaycard apple reward and He Got Approved do you know that methold ?

He gave them the information and they would have pulled his credit report before approving the card. Barclays will not approve someone for the apple rewards card without a credit pull. Moreover, the only reason he would have been asked for his SSN and DOB is to allow Barclays to do the credit pull (Apple store person plugs in information, Barclays processes it and pulls the report and sends back a decision to Apple store clerk).

Re: Apple Barclay Card Declined

Anonymous — Sun, 18 Jan 2015 19:27:11 GMT

@Anonymous wrote:
Okay bro But One of my friend that Use credit line to card in apple store told me that he only use SSN and DOB on Barclaycard apple reward and He Got Approved do you know that methold ?

@Anonymous,

There is no method to getting approved. When it comes to credit, you can't cut corners. As Elim above explained, when you apply they need your DOB and SSN be it in the Apple store or online. It all comes down to whether you have the credit to get approved or not. Your friend must have some sort of credit for him to be approved. If you have been declined twice, I suggest you pull your reports and see what is on there as discused earlier.

Re: Apple Barclay Card Declined

Anonymous — Sun, 18 Jan 2015 19:32:36 GMT

@Random83,

$60 dollar for 3 month should be considered an investment not an expense if one is serious about having a solid credit. If one cannot pay $20 a month to at least get their score, how are they going to afford the minimum payment on a card? Everyone situation is different but $20 is not going to break the bank.

Re: Apple Barclay Card Declined

taxi818 — Sun, 18 Jan 2015 19:38:29 GMT

@elim wrote:

Lol elim. So where to start art on this one

Re: Apple Barclay Card Declined

Anonymous — Sun, 18 Jan 2015 20:02:20 GMT

My dear friend ones does not increase the CC overnight... but good luck! you can try a recon by calling the back numbers and see why they keep denying you.