topic Re: Barclays Apple card in Credit Cards

Barclays Apple card

afbar1114 — Sun, 22 Jan 2012 14:50:52 GMT

is this easy to get.. are the inq senstive?

Re: Barclays Apple card

CS800 — Sun, 22 Jan 2012 14:53:11 GMT

@afbar1114 wrote:
is this easy to get.. are the inq senstive?

Its not easy persay but if your TU is above 640, you ahve a good chance. They are inq sensitive. Thats why you will see a lot of posts stating not to app for anything after you get the card ;at least app free for 6 months.

YOu might get a low CL but they are good with recon .

Re: Barclays Apple card

afbar1114 — Sun, 22 Jan 2012 14:55:41 GMT

i think i might give it a try online then do a recon if i get a low limit then not app for anything for a long time. i need new computer now my current one isnt working anymore as it should

Re: Barclays Apple card

Anonymous — Sun, 22 Jan 2012 14:55:54 GMT

It is fairly easy to get. They don't like a bunch of inquiries within 6 months of applying for their card. So yes they are inquiry sensitive. I have read reports of people getting approved with a 620 credit score. They also like for you to have history with two credit card accounts. If you have no revolving history that's like a automatic denial.

On the plus side if you do get declined they have a awesome recon department.

Re: Barclays Apple card

CS800 — Sun, 22 Jan 2012 14:58:10 GMT

@afbar1114 wrote:
i think i might give it a try online then do a recon if i get a low limit then not app for anything for a long time. i need new computer now my current one isnt working anymore as it should

When you recon tell them what you intend to buy. Depending on your income and with your score ythey might start you wth $1000 but try recon.

Re: Barclays Apple card

CS800 — Sun, 22 Jan 2012 14:58:36 GMT

@Anonymous wrote:
It is fairly easy to get. They don't like a bunch of inquiries within 6 months of applying for their card. So yes they are inquiry sensitive. I have read reports of people getting approved with a 620 credit score. They also like for you to have history with two credit card accounts. If you have no revolving history that's like a automatic denial.

On the plus side if you do get declined they have a awesome recon department.

Very true Ashwin

Re: Barclays Apple card

afbar1114 — Sun, 22 Jan 2012 15:15:59 GMT

The app is on the apple site?

Re: Barclays Apple card

CS800 — Sun, 22 Jan 2012 15:18:11 GMT

@afbar1114 wrote:
The app is on the apple site?

If you're interested, here is the link

http://store.apple.com/us/instant_credit

Re: Barclays Apple card

LS2982 — Sun, 22 Jan 2012 15:22:51 GMT

If you have alot of recent INQ's I wouldn't try it for at least 6 months.

Re: Barclays Apple card

afbar1114 — Sun, 22 Jan 2012 16:02:52 GMT

I have about 15 inq

Re: Barclays Apple card

Smug — Sun, 22 Jan 2012 16:38:48 GMT

@afbar1114 wrote:
I have about 15 inq

I had 18 when I got mine.

Re: Barclays Apple card

LS2982 — Sun, 22 Jan 2012 16:40:16 GMT

@afbar1114 wrote:
I have about 15 inq

How many of them are within the last 6 months?

Re: Barclays Apple card

afbar1114 — Sun, 22 Jan 2012 17:00:25 GMT

6 or 7 not much more then that maybe 9

Re: Barclays Apple card

LS2982 — Sun, 22 Jan 2012 17:02:29 GMT

@afbar1114 wrote:
6 or 7 not much more then that maybe 9

I would wait it out 6 months. Their going to raise a red flag for INQ's.

Re: Barclays Apple card

afbar1114 — Sun, 22 Jan 2012 17:08:21 GMT

I need it soon for school..ill try for it

Re: Barclays Apple card

LS2982 — Sun, 22 Jan 2012 17:09:14 GMT

@afbar1114 wrote:
I need it soon for school..ill try for it

How soon do you need it?? They're pretty good on recon but you better have your ducks in a row talking to them. Good luck!!

Re: Barclays Apple card

afbar1114 — Sun, 22 Jan 2012 17:19:27 GMT

Next couple a weeks how would i do a recon with themt

Re: Barclays Apple card

ccb2115 — Sun, 22 Jan 2012 17:19:28 GMT

and this card can be used at other places outside of Apple? I think this will be my next card after I app for a Zync. Will they close my account when they see a new card go on my reports, or do they only respond to frequent inquiries after you app for their card?

My only, but big, negative is a CO from 2008. Otherwise my TU score is 693, with only 1 INQ from last May. What are my chances for approval?

Re: Barclays Apple card

CS800 — Sun, 22 Jan 2012 17:21:24 GMT

@Smug wrote:
@afbar1114 wrote:
I have about 15 inq
I had 18 when I got mine.

Surprising since Barclays seems to be inq sensitive. But how many were after the Apple card?

Re: Barclays Apple card

LS2982 — Sun, 22 Jan 2012 17:21:45 GMT

@ccb2115 wrote:
and this card can be used at other places outside of Apple? I think this will be my next card after I app for a Zync. Will they close my account when they see a new card go on my reports, or do they only respond to frequent inquiries after you app for their card?

My only, but big, negative is a CO from 2008. Otherwise my TU score is 693, with only 1 INQ from last May. What are my chances for approval?

Is the CO paid?? That may be the difference between approval/denial. How does the rest of your file look?? Age of accounts?? how many accounts??