topic Re: Pre Approved for Barclay Rewards MasterCard? in Credit Cards

Pre Approved for Barclay Rewards MasterCard?

Anonymous — Sat, 03 Oct 2015 03:20:50 GMT

So I know that if you get pre apprvoed you're supposed to get a "Congratulations!" message and they show you exactly what your APR will be.

However I just filled out the application to see if I was pre-approved for any of their cards, and I didn't get a "Congratulations" message, I got a "Recommended for you" message BUT they showed me exactly what my APR would be and not the 15% - 24% based on your credit worthiness message one gets with most reccomendations.

On the bottom of the page, they list more cards and I click on them and they do have the "APR is 15%-24% based on your credit worthiness" message. So was I pre approved or what? I've filled out a lot of pre-approval applications and on all of them I get the "Reccomended for you" and APR is 15%-24% based on youre credit worthiness, message....this is the first time that I've gotten an exact APR number.

Re: Pre Approved for Barclay Rewards MasterCard?

Anonymous — Sat, 03 Oct 2015 03:29:42 GMT

Get that "recommended" bogus all the time, but no luve from them so far

Re: Pre Approved for Barclay Rewards MasterCard?

Anonymous — Sat, 03 Oct 2015 03:30:47 GMT

SmartCredit1 wrote:

Get that "recommended" bogus all the time, but no luve from them so far

^ I GET

Re: Pre Approved for Barclay Rewards MasterCard?

creditguy — Sat, 03 Oct 2015 03:46:57 GMT

I put Mickey Mouses name in the pre qualifier and got a specific interest rate too, so take it however you wish but I wouldn't waste a HP unless you really want to.

Re: Pre Approved for Barclay Rewards MasterCard?

Anonymous — Sat, 03 Oct 2015 16:20:51 GMT

@Anonymous wrote:

However I just filled out the application to see if I was pre-approved for any of their cards, and I didn't get a "Congratulations" message, I got a "Recommended for you"

I placed my credit bureuas on alert so they can't soft pull me on these credit prequalifed webpages; if you did, you won't see any personal result but general advertisement. Just search for credit card databases and make a judgement for yourself if you think you have good chance that you won't waste an inquiry. For example, I know that American Express uses Experian scores and sometimes double pull and you should have a score that is at least over 720. The database will provide you with more information.

Re: Pre Approved for Barclay Rewards MasterCard?

OmarGB9 — Sat, 03 Oct 2015 05:35:38 GMT

^Good info in your post although I disagree about the minimum Amex score needed. While 720 would be ideal, it's definitely not the lowest they'll approve. Everyone's file is different of course, but I've seen people on here get approved starting at 670/680.

As far as the original topic: OP, take the Barclays prequal page with a grain of salt. It's mostly just recommendations.

Re: Pre Approved for Barclay Rewards MasterCard?

Anonymous — Sat, 03 Oct 2015 05:42:33 GMT

I was just approved today with the prequal page. Instant approval too.

Mine said congratulations and had ACCEPT NOW button next to it.

I also had recommendations but they said APPLY NOW.

I think the approval is good when you enter your info EXACTLY as it is on your TU report. If I change from using Cir or circle and use CL like listed on tu I get the approval. Using other abbreviations I only get recommendations.

Re: Pre Approved for Barclay Rewards MasterCard?

mitchblue — Sat, 03 Oct 2015 13:21:09 GMT

@Anonymous wrote:
I was just approved today with the prequal page. Instant approval too.

Mine said congratulations and had ACCEPT NOW button next to it.

I also had recommendations but they said APPLY NOW.

I think the approval is good when you enter your info EXACTLY as it is on your TU report. If I change from using Cir or circle and use CL like listed on tu I get the approval. Using other abbreviations I only get recommendations.

That's good info. I remember I had the same problem beause they had the wrong current address. It's funny, all 3 bureus have a different current address..

Re: Pre Approved for Barclay Rewards MasterCard?

Anonymous — Sat, 03 Oct 2015 13:31:47 GMT

That's really interesting, thanks.

Re: Pre Approved for Barclay Rewards MasterCard?

kdm31091 — Sat, 03 Oct 2015 13:33:42 GMT

Unless it has a set APR, it's a mere "recommendation", nothing to take seriously.

Re: Pre Approved for Barclay Rewards MasterCard?

SouthJamaica — Sat, 03 Oct 2015 16:13:40 GMT

@Anonymous wrote:
So I know that if you get pre apprvoed you're supposed to get a "Congratulations!" message and they show you exactly what your APR will be.

However I just filled out the application to see if I was pre-approved for any of their cards, and I didn't get a "Congratulations" message, I got a "Recommended for you" message BUT they showed me exactly what my APR would be and not the 15% - 24% based on your credit worthiness message one gets with most reccomendations.

On the bottom of the page, they list more cards and I click on them and they do have the "APR is 15%-24% based on your credit worthiness" message. So was I pre approved or what? I've filled out a lot of pre-approval applications and on all of them I get the "Reccomended for you" and APR is 15%-24% based on youre credit worthiness, message....this is the first time that I've gotten an exact APR number.

No you're definitely not preapproved.

But that doesn't mean you shouldn't apply. It's one of their easiest cards to get, and it's very good for purchases, especially utilities, groceries, and gas.

It's very expensive, though, for cash advances, balance transfers, and carrying purchase balances.

Re: Pre Approved for Barclay Rewards MasterCard?

Anonymous — Sat, 03 Oct 2015 16:24:16 GMT

@creditguy wrote:
I put Mickey Mouses name in the pre qualifier and got a specific interest rate too...

What is Micky's Mouse social security number which you've inserted into the credit card prequalified web page? Didn't you know that his net worth is several quadrillion dollars?

Re: Pre Approved for Barclay Rewards MasterCard?

Anonymous — Sat, 03 Oct 2015 16:30:43 GMT

@OmarGB9 wrote:
^Good info in your post although I disagree about the minimum Amex score needed. While 720 would be ideal, it's definitely not the lowest they'll approve. Everyone's file is different of course, but I've seen people on here get approved starting at 670/680.

I certainly wouldn't take the risk with an average score, especially for applicants who don't apply out of need but for amusement--one of the many explanations why some people have more than twenty credit cards.

Re: Pre Approved for Barclay Rewards MasterCard?

Anonymous — Sat, 03 Oct 2015 16:32:21 GMT

@Anonymous wrote:
@creditguy wrote:
I put Mickey Mouses name in the pre qualifier and got a specific interest rate too...
What is Micky's Mouse social security number which you've inserted into the credit card prequalified web page? Didn't you know that his net worth is several quadrillion dollars?

NEVERMIND...

Re: Pre Approved for Barclay Rewards MasterCard?

Anonymous — Sun, 04 Oct 2015 05:07:42 GMT

Yep I know, that's why I got confused. On most pre-approval forms they just reccomend you cards and don't give you a specif APR...on this I entered my info and while it did say "We reccomend" it also gave me a specific APR...

Also, what are my odds of being approved? My capital one account barely turned 6 months, this month (October), I have a 699 Experian score, no late payments on any of my accounts.