topic Re: Barclays. Time frame between apps in Credit Cards

Barclays. Time frame between apps

taxi818 — Sun, 26 Jul 2015 16:10:19 GMT

I'm just wondering if there a specific time frame between apps. History Got Apple card. Last September Tried a couple other cards. Declined. U.S. air. And rung. Staring limit on Apple. 2k. Now 5400. What is thunders. Last app was June 6th. Too many new accounts.

Re: Barclays. Time frame between apps

Anonymous — Sun, 26 Jul 2015 17:06:43 GMT

I was wondering the same thing. I was reading around and some say 6 months between apps, but others were able to get another card before then so I don't really know. I know they are new account and inquiry sensitive so that could be the reason for denial. As far as what they consider recent in that respect, I have no idea; 6 months more than likely, but it could be up to 12 months. Hopefully someone with more experience with Barclay will chime in.

Re: Barclays. Time frame between apps

Anonymous — Sun, 26 Jul 2015 17:21:15 GMT

I have read here it's 4 months for the same card, 30 days if it's a different card. That appears to hold true. Surprisingly, I got the Apple card last month but, didn't use it. Thansferred the $3.5K SL to my Rewards card. I was declined for the NFL card last month, too.

I've been declined for every other card over the past 7-8 months. They seem to be a "weird bird", hard to pin down.

I was kinda shocked I was approved for Apple with a $3.5K SL, I was declined altogether 5-6 months ago

Re: Barclays. Time frame between apps

taxi818 — Sun, 26 Jul 2015 17:37:46 GMT

@Anonymous wrote:
I have read here it's 4 months for the same card, 30 days if it's a different card. That appears to hold true. Surprisingly, I got the Apple card last month but, didn't use it. Thansferred the $3.5K SL to my Rewards card. I was declined for the NFL card last month, too.
I've been declined for every other card over the past 7-8 months. They seem to be a "weird bird", hard to pin down.
I was kinda shocked I was approved for Apple with a $3.5K SL, I was declined altogether 5-6 months ago

Yes declined for ring. Thinking about a co branded. Either hawaiin or Wyndham. Not sure if they would still be so hard core.

Re: Barclays. Time frame between apps

bengalikejenga — Sun, 26 Jul 2015 17:40:34 GMT

@taxi818 wrote:
I'm just wondering if there a specific time frame between apps. History Got Apple card. Last September Tried a couple other cards. Declined. U.S. air. And rung. Staring limit on Apple. 2k. Now 5400. What is thunders. Last app was June 6th. Too many new accounts.

in my experience, i got my Barclays reward in November and i had to recon, because my TU was 650 back then.

then i applied for my Sallie Mae in May, soo i waited exactly 6 months inbetween apps. and i got approved for $2500, and i transfered some CL from my Barclays rewards.

i think if you apply and you get denied, the best thing might be too recon.

even though people say that Barclays is inquiry and new account sensitive,

from Nov to May, I acquired at least 6 new accounts.

Re: Barclays. Time frame between apps

Anonymous — Sun, 26 Jul 2015 17:51:28 GMT

Unlike Chase and their co-branded cards, Barclays doesn't appear to have vastly different requirements for their co-branded.

Re: Barclays. Time frame between apps

taxi818 — Sun, 26 Jul 2015 18:01:52 GMT

@Anonymous wrote:
Unlike Chase and their co-branded cards, Barclays doesn't appear to have vastly different requirements for their co-branded.

Others have told me exactly the opposite with their co branded. It's been 50 days since I tried for ring. Not sure really.

Re: Barclays. Time frame between apps

Anonymous — Sun, 26 Jul 2015 18:13:32 GMT

Well, it sure seems the same to me. Declined for US Airways card a couple times, NFL & ? I forget. Also declined Arrival+ & Ring. The only card I was disappointed not getting was the now-defunct US Airways. Their other cards just aren't that appealing to me.

Re: Barclays. Time frame between apps

Anonymous — Sun, 26 Jul 2015 18:21:06 GMT

Barclay's is a little more concerned than some others when they tell you "too many new accounts." I'd say 12 months not 6 based on my experience with Barclay's. I'd also recommend asking Barclay's what their opinion is of your specific profile and how long to wait.

How many new accounts? 5? 10? 15? Answer also depends on the number, but Barclay's can review all the nuances of your account and customize and answer specifically for you.

Barclay's doesn't want to feel as if you're wanting to add one mare card to your collection with them. I know it's not the answer you want to hear, but I'd wait 12 months for absolute best results.

Re: Barclays. Time frame between apps

kdm31091 — Sun, 26 Jul 2015 18:23:21 GMT

Totally agree about barclays and not wanting to think youre just adding a card to your collection.

Probably best to wait 6 to 12 months for best limit and APR.

Re: Barclays. Time frame between apps

CreditCuriosity — Sun, 26 Jul 2015 18:41:37 GMT

Taxi 6 month ideally for an easy approval with Barclay's between cards.. AthoughI got my SM then a month after, granted I has approx 10 months history with them at time, so ymmv..

Re: Barclays. Time frame between apps

taxi818 — Sun, 26 Jul 2015 19:13:30 GMT

Yes. They seem conservative to me. More so than any other lender I deal with. Thanks all. Will let my report cool off if only for 3 months more. Optimizing for Benz or infinity. Not sure which yet. After it will be vacation time. And I will carry a large balance for about a year.

Re: Barclays. Time frame between apps

DaveInAZ — Sun, 26 Jul 2015 23:06:52 GMT

@Anonymous wrote:
Barclay's is a little more concerned than some others when they tell you "too many new accounts." I'd say 12 months not 6 based on my experience with Barclay's. I'd also recommend asking Barclay's what their opinion is of your specific profile and how long to wait.

How many new accounts? 5? 10? 15? Answer also depends on the number, but Barclay's can review all the nuances of your account and customize and answer specifically for you.

Barclay's doesn't want to feel as if you're wanting to add one mare card to your collection with them. I know it's not the answer you want to hear, but I'd wait 12 months for absolute best results.

Yeah, Barclay's credit analysts are excellent, every call I've made to them has been a positive experience. I've had the Rewrds MC since April 2012, auto CLI'd.up to $5700 CL In late March I was approved for the NFL card w/$5k SL, I moved $2700 CL over to it from Rewards and promptly did a 15 mo 0% $4500 BT to pay off a Prosper loan. In early July I was approved for Discover IT and thought before that hits my CR I'll app for the Sallie Mae card, the 5% rewards for gas & groceries a better match for my spending then Rewards MC. I got an "Under Review" message and called to recon. In my mind the NFL was almost 4 mos old, but with the statement schedule I'd actually only made 2 payments, and the credit analyst said it was "too new to rate", so she couldn't approve SM "at this time". I explained that the 55% utilization on NFL was dinging my CS, so I had budgeted an agressive repayment schedule to get the balance down to under $2200 (27% util) by the end of the year, and asked if that would be a good time to re-apply for SM. The rep said "with that kind of payment history and repayment we'd be happy to hear from you again".

Re: Barclays. Time frame between apps

happypill — Sun, 26 Jul 2015 23:36:35 GMT

Back in January I had to recon to get an Sallie Mae approved for $1k. Applied for Arrival+ exactly 6 months later and was approved instantly.

My suggestion would be to wait 6 months if you can, and my personal experience would suggest that they actually monitor and reward your relationship with them. I think others have found that the Apple card might be the easiest point of entry and if you manage that carefully they'll treat you well later on.

Re: Barclays. Time frame between apps

taxi818 — Sun, 26 Jul 2015 23:43:57 GMT

It's not about how I handle the apple. Of course that is excellent. Had it almost a year. In a month. Already got 2 clis from them. 2k-3500-5410. So no issues there. They are truly the jealous gf. I'm not showing them much attention right now. My score is in fact 75 points higher than when I got Apple. Had negatives. No negatives at all now. But I can wait 2 more months. And app for something. Really like to have 2 cards with each lender. Exception being cap one. 3 cards. Maybe I will close my secured at Xmas. It will be 2 years old then. But it is my oldest. I would even go for nfl card. But not sure how jealous Barclays really is. Let me see. Hmmm. 8 new accounts since ingot apple last year. So that might be reason they seem strange. Ok. That does it. Will wait.

Re: Barclays. Time frame between apps

Anonymous — Mon, 27 Jul 2015 01:07:03 GMT

I was approved for the NFL card in January of this year and at the time I had five years history under my belt with their old Juniper card. When I apped for the Sallie Mae in April I had to recon and transfer the limit from the Juniper to get approved.

Re: Barclays. Time frame between apps

Anonymous — Mon, 27 Jul 2015 01:11:04 GMT

@taxi818 wrote:
I'm just wondering if there a specific time frame between apps. History Got Apple card. Last September Tried a couple other cards. Declined. U.S. air. And rung. Staring limit on Apple. 2k. Now 5400. What is thunders. Last app was June 6th. Too many new accounts.

Depends largely on your credit and potential credit ceiling. I had 5 Barclay's cards at one time and ended up consolidating them down to 2 with a credit ceiling of $27,000. $5,000 on my Sallie Mae, $22,000 on my Aviator Red, which I used to fund a Citigold account for $20,000.

Re: Barclays. Time frame between apps

Anonymous — Mon, 27 Jul 2015 03:55:06 GMT

Thanks captool. I did a search on pc Juniper into sallimae and got nothing. found your post on accident just now. I'd love to pc and dump my Chase amazon, would clean up too many accts that do the same thing.