topic Re: Barneys Question? in Credit Cards

Barneys Question?

Anonymous — Tue, 04 Aug 2015 22:15:38 GMT

Both Pizza and Humuhumunukunukuapuaa have peaked my curiosity. For those of you that have a Barneys card, what was your score when you got the card? Also did you get it with SCT or regular applying? Said I would not do another store card, but if my score is okay, then I will. My EQ FICO 8 is 635, but EQ FICO 5 is 670.

Re: Barneys Question?

Anonymous — Tue, 04 Aug 2015 23:19:38 GMT

HI Kaykay,

I'll answer what I can to help. Barney's doesn't like recent inquiries, so I would advise waiting 8-10 months out from inquiries (and possible not applying for much longer if you have a lot of inquiries - thye won't like that either)

They pull EX not EQ. No SCT with them. My scores were about 680-685 on EX I believe at the time I applied.

Barney's is through Comenity Capital so they a reputation for being a little more particular than regular Comenity. Wait a bit if you think a number of inquiries or anything else in your file might make them hesitate. You'll get there, and you're doing great!

Re: Barneys Question?

Anonymous — Tue, 04 Aug 2015 23:31:54 GMT

Thanks for the encouragement and information. My FICO 8 EX is 660, but My FICO 3 EX is 630. Applying for Barneys might not be practical for me right now, but someone else could benefit from the information.

Re: Barneys Question?

Anonymous — Tue, 04 Aug 2015 23:46:18 GMT

Keep up the good work! You'll be there soon. We want to hear all about it when you decide the time is right to go get your Barney's!

Re: Barneys Question?

Anonymous — Tue, 04 Aug 2015 23:48:22 GMT

Ok.

Re: Barneys Question?

Anonymous — Wed, 05 Aug 2015 00:35:42 GMT

Kaykay, my EX score was 680 with 18 inquiries when approved

Re: Barneys Question?

Anonymous — Wed, 05 Aug 2015 00:52:17 GMT

@Anonymous wrote:
Kaykay, my EX score was 680 with 18 inquiries when approved

Thanks Vivacious

Re: Barneys Question?

score_building — Fri, 14 Aug 2015 21:28:15 GMT

@Anonymous wrote:
Kaykay, my EX score was 680 with 18 inquiries when approved

Age of those 18 INQs are a key data point: e.g. are half of them are more than a year old?

Re: Barneys Question?

pizza1 — Sat, 15 Aug 2015 01:30:00 GMT

KayKay....

When I apped, my EX score was 672 with 70 inquires, most of those being this year, and 20+new acts.

I can't tell you what they do and don't look for on applicants, but its all computer generated anyways, no live person looks at the app, unless its for verification.

Since this is Comenity Capital Bank, and not regular Comenity, they pull EXP for this card. I would say if this is a card you really want, and can use (everything is $$$$$), then app for it.

If you do app for it and get the 7-10 day message, don't panic! Comity Capital and Comenity are big on verification right now. The 7-10 is most likely verification, and you receive a letter with a number to call, and they will ask for the verification # listed directly on the letter. There is NO reconning!!

If you app and get instant approval look for the limit to be $500-$1k starting out. Again, don't panic! Once you apply and actually get approved for the card, Ill coach you from there.

Re: Barneys Question?

Anonymous — Sat, 15 Aug 2015 04:17:03 GMT

Ok. Thanks Pizza. If I apply I plan to do it beginning of September when UTI is under 10%. Made large purchase at Lowe's which I will pay down half of it by then. Taking advantageo of 0% financing.

Re: Barneys Question?

Anonymous — Sat, 15 Aug 2015 12:24:06 GMT

yea, I had about 40 inquiries between march-june of this year and got my Barneys card for 750. After I activated and finally called in because there was a verification issue, I was able to use the hotline to 10,750.

Scores were 675ish, so YMMV

Re: Barneys Question?

taxi818 — Sat, 15 Aug 2015 12:29:27 GMT

How fast did any of you with barneys get your limit up to 20k?

Re: Barneys Question?

Anonymous — Sat, 15 Aug 2015 12:36:16 GMT

I'll let you know here shortly. I did my first only July 28th after getting the card mid-June. I would have been able to do it right away, but I had my Victoria secret card with comenity registered to my Pittsburgh address, and my barneys card sent to my St. Louis address so there was a lock on my account (stupid). After getting that taken care of I got the CLI right away. At the end of the month I'm going for the bump to 20k. Oh and my Blue Nile card I was able to do the same thing as well, all the way up to 10.5k

Re: Barneys Question?

Anonymous — Sat, 15 Aug 2015 14:54:19 GMT

@Anonymous wrote:
Both Pizza and Humuhumunukunukuapuaa have peaked my curiosity. For those of you that have a Barneys card, what was your score when you got the card? Also did you get it with SCT or regular applying? Said I would not do another store card, but if my score is okay, then I will. My EQ FICO 8 is 635, but EQ FICO 5 is 670.

Another perspective, I applied and was approved for a Barneys card one week ago. During the month of July I open 13 new accounts (excluding Barneys) in which generated 5 inquiries. Several of the accounts were with Comenity where I utilized the SCT. They did pull Experian and my score at the time was 668. I received a 1500.00 CL. It was no more difficult then Neiman Marcus, SunGlass Hut, Amazon, Total Rewards Visa, Modell's Visa or any of the other accounts that I have opened recently. There is no pop up for Barneys, and my decision was instant. Good Luck!

Re: Barneys Question?

Anonymous — Sat, 15 Aug 2015 15:35:05 GMT

@Anonymous wrote:
@Anonymous wrote:
Both Pizza and Humuhumunukunukuapuaa have peaked my curiosity. For those of you that have a Barneys card, what was your score when you got the card? Also did you get it with SCT or regular applying? Said I would not do another store card, but if my score is okay, then I will. My EQ FICO 8 is 635, but EQ FICO 5 is 670.
Another perspective, I applied and was approved for a Barneys card one week ago. During the month of July I open 13 new accounts (excluding Barneys) in which generated 5 inquiries. Several of the accounts were with Comenity where I utilized the SCT. They did pull Experian and my score at the time was 668. I received a 1500.00 CL. It was no more difficult then Neiman Marcus, SunGlass Hut, Amazon, Total Rewards Visa, Modell's Visa or any of the other accounts that I have opened recently. There is no pop up for Barneys, and my decision was instant. Good Luck!

Which FICO version of EX did Barney's pull? My FICO 2 and FICO 8 are higher than FICO 3. Between Lowes, Amex, and Discover Card apps and my Lowes purchase, My FICO 3 has dropped 35 points to 641, so I'm hoping that when my UTI goes down my score will go up and put me in an acceptable range.

Re: Barneys Question?

pizza1 — Sat, 15 Aug 2015 15:45:34 GMT

@taxi818 wrote:
How fast did any of you with barneys get your limit up to 20k?

Took me 3 months, and then 2 months after that It was at $31k.

Re: Barneys Question?

Anonymous — Sat, 15 Aug 2015 15:54:25 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Both Pizza and Humuhumunukunukuapuaa have peaked my curiosity. For those of you that have a Barneys card, what was your score when you got the card? Also did you get it with SCT or regular applying? Said I would not do another store card, but if my score is okay, then I will. My EQ FICO 8 is 635, but EQ FICO 5 is 670.
Another perspective, I applied and was approved for a Barneys card one week ago. During the month of July I open 13 new accounts (excluding Barneys) in which generated 5 inquiries. Several of the accounts were with Comenity where I utilized the SCT. They did pull Experian and my score at the time was 668. I received a 1500.00 CL. It was no more difficult then Neiman Marcus, SunGlass Hut, Amazon, Total Rewards Visa, Modell's Visa or any of the other accounts that I have opened recently. There is no pop up for Barneys, and my decision was instant. Good Luck!
Which FICO version of EX did Barney's pull? My FICO 2 and FICO 8 are higher than FICO 3. Between Lowes, Amex, and Discover Card apps and my Lowes purchase, My FICO 3 has dropped 35 points to 641, so I'm hoping that when my UTI goes down my score will go up and put me in an acceptable range.

My Experian score is generated from Experian credit monitoring. I don't get into all the different version, lol! I do know that it can be different though. My TU FICO is better with Walmart and Discover, then with Capital One. Just recalled though, while my Experian score says 668, I recall my Barneys ApprovalCongrats saying my score was 687. I don't know if this helps?

Re: Barneys Question?

taxi818 — Sat, 15 Aug 2015 16:19:49 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Both Pizza and Humuhumunukunukuapuaa have peaked my curiosity. For those of you that have a Barneys card, what was your score when you got the card? Also did you get it with SCT or regular applying? Said I would not do another store card, but if my score is okay, then I will. My EQ FICO 8 is 635, but EQ FICO 5 is 670.
Another perspective, I applied and was approved for a Barneys card one week ago. During the month of July I open 13 new accounts (excluding Barneys) in which generated 5 inquiries. Several of the accounts were with Comenity where I utilized the SCT. They did pull Experian and my score at the time was 668. I received a 1500.00 CL. It was no more difficult then Neiman Marcus, SunGlass Hut, Amazon, Total Rewards Visa, Modell's Visa or any of the other accounts that I have opened recently. There is no pop up for Barneys, and my decision was instant. Good Luck!
Which FICO version of EX did Barney's pull? My FICO 2 and FICO 8 are higher than FICO 3. Between Lowes, Amex, and Discover Card apps and my Lowes purchase, My FICO 3 has dropped 35 points to 641, so I'm hoping that when my UTI goes down my score will go up and put me in an acceptable range.

Comenity uses fico 8. Like most lenders. Don't concern yourself so much with te other scores. If you are going for car or mortgage. Ok. I could see the concern. But for credit cards it will be commonly used scored. Fico 8. Sometimes fico 8 bank card. Some credit unions use older versions like my Gte card in my siggy. But it is rare. If you want yo know what bank pulls what simply go to credit pulls database. Insert lender and your state. Wherever you live and you will know who and what they pull. Good luck.

Re: Barneys Question?

taxi818 — Sat, 15 Aug 2015 16:20:35 GMT

@pizza1 wrote:
@taxi818 wrote:
How fast did any of you with barneys get your limit up to 20k?
Took me 3 months, and then 2 months after that It was at $31k.

3 months to 30k. Wow. I might have to sacrifice and hp an some AAOA for this. Hmmm.

Re: Barneys Question?

Anonymous — Sat, 15 Aug 2015 16:30:31 GMT

@pizza1 wrote:
@taxi818 wrote:
How fast did any of you with barneys get your limit up to 20k?

3 months with 4-5 purchase along the way and payments as well.