topic Re: Barneys in Credit Card Applications

Barneys

alisadarrick — Wed, 09 Dec 2015 21:49:00 GMT

Is Barney's BK Friendly? I love Barney's!!!

Re: Barneys

ddemari — Wed, 09 Dec 2015 22:08:11 GMT

Comenity in general is not BK Friendly.

Re: Barneys

Countingpennies — Wed, 09 Dec 2015 22:43:31 GMT

Comenity Visa/MCs are not very BK friendly, but the store cards are.

I was approved for Barney's at 2 1/2 yrs. post BK, I didn't apply before that. My CL is now at $28K. J Crew is a popular (Comenity) post-BK card. If you shop there, it's decent for CLI's, and can be obtained without a hard pull (look up SCT.) I was approved for that one a few months post-BK.

Re: Barneys

CreditMagic7 — Wed, 09 Dec 2015 23:12:09 GMT

~~For a moment there (since this IS approvals forum) i thought someone finally seen some movement with Barney's since they went ballistic on some peeps.~~

EDIT:

Re: Barneys

pizza1 — Thu, 10 Dec 2015 00:25:46 GMT

Yes..Comenity is BK friendly...to a point. Store cards 99.9% only. If you're hoping for a Visa from them..your BK needs to be at least around 4-5yrs+ post DC, and scores well north of 700+.

As far as Barneys is concerned, yes, you can get them. I got them 1.6yr post BK7, scores around 670's EX. I also have 12 store cards with them post BK...all the same ones that were IIB, and then some.

On a side note though...there has been a lot of controversy regarding them, and closing down acts. I personally thinks it stems from someone opening up a Visa with them, and then it goes back to UW, and they decide to shut down all acts after approving the recent Visa.

I personally would wait till after you hit 1 yr post BK before applying if you really need and want them. What other cards/ limits do you have? Whats your util like on each?

Re: Barneys

bodyboy1 — Thu, 10 Dec 2015 02:14:49 GMT

@alisadarrick wrote:
Is Barney's BK Friendly? I love Barney's!!!

> In Actuality Everyone is correct & (IMO) BARNEYS Which i have & i love, not an easy Card to get .. Everyone is Diff: i was bk 5 years ago, family stole Millions from my trust (hence HSBC). if you are approved u May get a letter to just call in & Verify (like i had to) & Others & (IMO) Barneys is One of the Highest tier/Exclusive) Cards Comenity issues (Frontgate Fortunoff Barneys JCrew) But is the Hardest.. i would wait a while... Best of luck with everything.

Re: Barneys

ddemari — Thu, 10 Dec 2015 02:19:48 GMT

When I had my bankruptcy reporting I couldn't get anything with comenity. The second it dropped off I applied for j crew and so it began for me.
But it's a ymmv type of thing, just like discover in my experience.

Re: Barneys

alisadarrick — Thu, 10 Dec 2015 20:02:54 GMT

Hi - I found the response I was looking for. I will wait until my 1 year mark in February and get my utilization down some. Thanks.