topic Re: Barclay approvals?! in Credit Card Applications

Barclay approvals?!

Anonymous — Wed, 05 Aug 2015 02:25:24 GMT

What's the high and low credit scores that have been approved for Barclay rewards cards? I want to apply but I'm scared

Re: Barclay approvals?!

GoldSorata — Wed, 05 Aug 2015 02:30:14 GMT

What is your TU FICO? What does you current credit profile look like?

Re: Barclay approvals?!

OmarGB9 — Wed, 05 Aug 2015 02:32:50 GMT

I believe low is in the 650ish range for Barclays approvals, though it also depends on which product you're going for. High scores can be anywhere in the upper 700s

Re: Barclay approvals?!

Anonymous — Wed, 05 Aug 2015 02:36:10 GMT

I applied for the Apple Barclay visa today with 699 TU and was approved for $2000 SL

Re: Barclay approvals?!

Anonymous — Wed, 05 Aug 2015 02:46:41 GMT

@seezar I couldn't tell you to be honest at this time. I know my experian fico is 678 and my equifax is 690. But I haven't seen my transunion their slowness irritated me so I gave up trying to find out and it be reliable.

Re: Barclay approvals?!

Anonymous — Wed, 05 Aug 2015 02:47:12 GMT

Omar what do u mean by which product?

Re: Barclay approvals?!

OmarGB9 — Wed, 05 Aug 2015 02:49:00 GMT

Like which card. Some say the Apple Visa is easiest to get. Barclay rewards also seems to be easier to get YMMV of course.

Re: Barclay approvals?!

Anonymous — Wed, 05 Aug 2015 02:52:43 GMT

But wouldn't that be for strictly apple products since it doesn't come up on Barclays website?

Re: Barclay approvals?!

GoldSorata — Wed, 05 Aug 2015 02:56:46 GMT

@Anonymous wrote:
@GoldSorata I couldn't tell you to be honest at this time. I know my experian fico is 678 and my equifax is 690. But I haven't seen my transunion their slowness irritated me so I gave up trying to find out and it be reliable.

Barclays pulls TU exclusively. If your TU score is similar to your others I'd say you have a good shot at the rewards. I got the reward card back in January with a 640 TU FICO. Do you have any other cards and if so how old are they? Barclay likes to see some revolving history. They denied me a year ago when I didn't have any revolving credit lines.

Re: Barclay approvals?!

OmarGB9 — Wed, 05 Aug 2015 03:05:38 GMT

@Anonymous wrote:
But wouldn't that be for strictly apple products since it doesn't come up on Barclays website?

Actually it does in the scrolling ad thingy on their homepage. But anyway, no, it's not strictly for Apple products. It's a standard visa that offers 3x points in Apple Store and iTunes purchases as well as special financing on Apple products.

Re: Barclay approvals?!

Anonymous — Wed, 05 Aug 2015 03:06:49 GMT

I have 6 cards all from 2010-12 where do u suggest I get a true transunion fico from?

Re: Barclay approvals?!

OmarGB9 — Wed, 05 Aug 2015 03:13:19 GMT

Do you have a discover card?
If not, you could try credit check total for $1 for a week I believe and pull your 3 scores/reports.

Re: Barclay approvals?!

Anonymous — Wed, 05 Aug 2015 03:20:39 GMT

Shows transunion as 641 and 43% utilization it's been 2 months that I've been between 1-10% util that's why I get irritated with them. Should I sit by and wait for transunion to update?

Re: Barclay approvals?!

Anonymous — Wed, 05 Aug 2015 03:23:09 GMT

That's thru credit check total btw

Re: Barclay approvals?!

GoldSorata — Wed, 05 Aug 2015 03:24:14 GMT

@Anonymous wrote:
Shows transunion as 641 and 43% utilization it's been 2 months that I've been between 1-10% util that's why I get irritated with them. Should I sit by and wait for transunion to update?

Are you saying you are looking at a score/report that was pulled 2 months ago or was just pulled from your current file? Where are you seeing that score and what date is showing for that score?

Re: Barclay approvals?!

800ficogirl — Wed, 05 Aug 2015 03:27:37 GMT

When I first got approved with barclay my TU score was around 660. They gave me $1300. Im currently at $5500 and have had it for 2 years. They are a really good cc company and I love them. My interest was originally 24.99% now its 16.99%. They are really easy and fair to work with plus you get a free fico score. I say try them out. Good luck.

Re: Barclay approvals?!

OmarGB9 — Wed, 05 Aug 2015 03:28:43 GMT

+1 to seezar. If your Tu hasn't updated to reflect your considerably lower util, I would recommend sitting right until it does.

Re: Barclay approvals?!

Anonymous — Wed, 05 Aug 2015 03:31:25 GMT

On cct it was just pulled it offers a 3 bureau pull and it shows transunion at 43% util so does credit karmas transunion. I'm saying close to two months ago I paid all of the 43% off and transunion is the only one that hasn't updated. And I called them a few times asking and they would tel me they update when the cc companies bill cycle ends yet Trans is the only slow one because ex & eq have been updated for about a month.

Re: Barclay approvals?!

OmarGB9 — Wed, 05 Aug 2015 03:33:03 GMT

Might have to hold off then as TU is known to be slow to update at times. 43% util doesn't look good. Not terrible, but not ideal.

Re: Barclay approvals?!

Anonymous — Wed, 05 Aug 2015 03:33:28 GMT

Good plan 😓 I'm not in a rush to get inquiries but I'd like to see what the hype is about. I'll update u guys when Trans comes around and we'll see if the score is good enough then