topic Re: Barney's Card in Credit Card Applications

Barney's Card

newstart13 — Fri, 02 Jan 2015 13:17:38 GMT

What are the requirements to get approved for a barney's card?

Re: Barney's Card

CreditCuriosity — Fri, 02 Jan 2015 14:19:13 GMT

Rewards MC? Basically around 650-660ih TU Fico and you are good... People get approved with 610-630 scores as well, but alot less chance with those scores and obviously most likely lower limits.

Re: Barney's Card

Creditaddict — Fri, 02 Jan 2015 14:38:19 GMT

I think OP is talking about Barney's NY not Barclay.

They are Comenity backed so they are fairly easy but can be INQ sensitive sometimes.

They do give a CL but I believe they operate on a moving CL if you need more pretty easily.

Re: Barney's Card

CreditCuriosity — Fri, 02 Jan 2015 14:39:19 GMT

@Creditaddict wrote:
I think OP is talking about Barney's NY not Barclay.
They are Comenity backed so they are fairly easy but can be INQ sensitive sometimes.
They do give a CL but I believe they operate on a moving CL if you need more pretty easily.

My you are correct... This is what happens when I type at work prior to caffiene

Re: Barney's Card

newstart13 — Fri, 02 Jan 2015 14:51:41 GMT

Yes, Barney's NY;-). Have some inquiries so maybe I should wait.

Re: Barney's Card

Anonymous — Fri, 02 Jan 2015 16:28:33 GMT

You need SSN.

Re: Barney's Card

Creditaddict — Fri, 02 Jan 2015 16:57:19 GMT

@Anonymous wrote:
You need SSN.

huh?

Re: Barney's Card

newstart13 — Mon, 19 Jan 2015 21:00:26 GMT

Finally applied and received the dreaded 7-10 day notice:-(. So I guess that is a NO?

Re: Barney's Card

Anonymous — Mon, 19 Jan 2015 21:52:10 GMT

Good luck if you apply

Re: Barney's Card

newstart13 — Mon, 19 Jan 2015 21:59:40 GMT

I did today and received the we will
Let you know in 7-10 days. Has anyone received this message and still been approved?

Re: Barney's Card

B335is — Mon, 19 Jan 2015 23:27:12 GMT

Ugh Comenity 7-10 day. It may be identity verification or it might be denial. They make you wait to get the letter, only then will they ~~speak to you~~ regurgitate what the computer says. Goodluck and keep us posted!

Re: Barney's Card

Anonymous — Sun, 19 Jul 2015 06:02:50 GMT

So was this a denial? Just curious cause I applied online yesterday and got the 7-10 day message.

Re: Barney's Card

pizza1 — Sun, 19 Jul 2015 15:51:44 GMT

People...

the Comenity "7-10" day message doesn't mean denial. They are VERIFICATION HAPPY!!!! The "letter" will be a 50/50 chance of verification or denial. If denial you are SOL, they DO NOT RECON.

If the letter is "verification", it will give you a number to call, and they will ask you for the verification application # on the letter. 9/10, when they verify you after the letter, its an approval!

Re: Barney's Card

Anonymous — Sun, 19 Jul 2015 16:35:33 GMT

Barney's is Comenity Capital Bank (versus regular Comenity). Still trying to figure out the difference between the two, they are affiliated but are separate divisions. From what I understand Comenity Capital is a little harder to get in with. Comenity Capital has Barney's, Good Sam/ Camping World Visa, and Virgin America Visa.

I got approved for Barney's same day I applied, but I agree with Pizza, the 7-10 day message with Comenity is not always a negative thing.

Many credit cards are becoming more focused on verification these days, and it can be triggered by soemthing as little as you putting "21 West Jones" instead of "21 W Jones St" on your application if the credit bureau listing differs slightly.

When I applied for Macy's and Bloomingdale's, I had to verify because they swore up and down that I once had a home phone number ending in 4626. I told them I'd had the same phone numbers for 9 years and even prior to that never had a phone number ending in 4626. The ended up calling me on my current phone number to verify and were fine afetr about 5 minutes of back and forth over the phone number.

Never did find out what the 4626 business was about - no one I know has such a number.

Re: Barney's Card

Anomalous — Sun, 19 Jul 2015 17:12:31 GMT

@Anonymous wrote:
Barney's is Comenity Capital Bank (versus regular Comenity). Still trying to figure out the difference between the two, they are affiliated but are separate divisions. From what I understand Comenity Capital is a little harder to get in with. Comenity Capital has Barney's, Good Sam/ Camping World Visa, and Virgin America Visa.

I got approved for Barney's same day I applied, but I agree with Pizza, the 7-10 day message with Comenity is not always a negative thing.

Many credit cards are becoming more focused on verification these days, and it can be triggered by soemthing as little as you putting "21 West Jones" instead of "21 W Jones St" on your application if the credit bureau listing differs slightly.

When I applied for Macy's and Bloomingdale's, I had to verify because they swore up and down that I once had a home phone number ending in 4626. I told them I'd had the same phone numbers for 9 years and even prior to that never had a phone number ending in 4626. The ended up calling me on my current phone number to verify and were fine afetr about 5 minutes of back and forth over the phone number.

Never did find out what the 4626 business was about - no one I know has such a number.

Random: Add Overstock to that list. Noticed it at the bottom of the screen when I went to my account page.

Re: Barney's Card

Anonymous — Sun, 19 Jul 2015 22:19:10 GMT

@Anomalous wrote:
@Anonymous wrote:
Barney's is Comenity Capital Bank (versus regular Comenity). Still trying to figure out the difference between the two, they are affiliated but are separate divisions. From what I understand Comenity Capital is a little harder to get in with. Comenity Capital has Barney's, Good Sam/ Camping World Visa, and Virgin America Visa.

I got approved for Barney's same day I applied, but I agree with Pizza, the 7-10 day message with Comenity is not always a negative thing.

Many credit cards are becoming more focused on verification these days, and it can be triggered by soemthing as little as you putting "21 West Jones" instead of "21 W Jones St" on your application if the credit bureau listing differs slightly.

When I applied for Macy's and Bloomingdale's, I had to verify because they swore up and down that I once had a home phone number ending in 4626. I told them I'd had the same phone numbers for 9 years and even prior to that never had a phone number ending in 4626. The ended up calling me on my current phone number to verify and were fine afetr about 5 minutes of back and forth over the phone number.

Never did find out what the 4626 business was about - no one I know has such a number.
Random: Add Overstock to that list. Noticed it at the bottom of the screen when I went to my account page.

Ditto for me.

Re: Barney's Card

Anonymous — Mon, 20 Jul 2015 03:34:37 GMT

Thanks for all the feedback. I guess I'll wait and see. Will post results.

Re: Barney's Card

Anonymous — Mon, 20 Jul 2015 03:46:20 GMT

HSN too.

Re: Barney's Card

Anonymous — Tue, 28 Jul 2015 16:24:38 GMT

**UPDATE**
Received my denial letter yesterday. 😔 To the garden I go.

Re: Barney's Card

Anonymous — Tue, 28 Jul 2015 17:46:09 GMT

Sorry jborgs. Chin up, keep up the hard work and try again in 6 months!

Add Fuel Rewards Network Mastercard to the Comenity Capital list too, for those who are interested.