topic Re: Barclay Question in Credit Cards

Barclay Question

Anonymous — Wed, 25 Apr 2012 17:52:42 GMT

So I'm about to go on a mini app spree shortly. One of the cards will be a Barclay's. I know that they are inquiry sensitive, should I apply for them last or first?

Re: Barclay Question

pizzadude — Wed, 25 Apr 2012 17:53:47 GMT

How many cards are you going to apply for ? Some people have reported they have been closed by Barclay because of new accounts being opened, not necessarily due to the inquiries.

Re: Barclay Question

Anonymous — Wed, 25 Apr 2012 18:02:54 GMT

I was planning on applying for 3 possibly 4:

Walmart

Barclay

Amex Charge (possibly)

Rooms To Go

Re: Barclay Question

pizzadude — Wed, 25 Apr 2012 18:28:29 GMT

Ok, well you'll want to fly under the radar with Barclay, once the new accounts are all showing I would be careful about asking for a CLI with Barclay for at least the first 6 months.

Re: Barclay Question

Anonymous — Wed, 25 Apr 2012 18:40:25 GMT

Oh ok, so it doesn't really matter what order I apply in, just don't rock the boat for atleast 6 months.

Re: Barclay Question

pizzadude — Wed, 25 Apr 2012 18:48:35 GMT

@Anonymous wrote:
Oh ok, so it doesn't really matter what order I apply in, just don't rock the boat for atleast 6 months.

Don't rock the boat. As far as inquiries, Barclays almost always pulls TU, so if you think that any of the other creditors would pull TU as well you might want to app with Barclay first.

Re: Barclay Question

Anonymous — Wed, 25 Apr 2012 19:35:44 GMT

+1... Apply for Barclay's First. Walmart pulls TU normally as well. I would do the Barclays before the Walmart.

Re: Barclay Question

Anonymous — Wed, 25 Apr 2012 20:09:39 GMT

Awesomeness. I will apply for barclay's first! Thanks All!

Re: Barclay Question

Anonymous — Wed, 25 Apr 2012 20:19:56 GMT

I would suggest the Apple Card if you are looking for easier approval or the Barclaycard Rewards Visa for the points. 2 pts for every $1 spent on Gas / Groceries / Utilities

1 pt for every $1 spent elsewhere with 5000 bobus points and 0% for 15 months.

The Barclay Ring card has a set 8% rate and low fees, but that one is a bit harder to get.

Re: Barclay Question

Anonymous — Wed, 25 Apr 2012 20:37:50 GMT

Yea, I was looking at applying for the Rewards Visa for the 0% for 15 months. Thanks Hammer! I'll let you all know how it goes. I haven't applied for any new credit (other than my mortgage this year) for 2 years. Now that my scores are much better I'm nervous

Re: Barclay Question

Anonymous — Wed, 25 Apr 2012 20:48:16 GMT

Remember if you get denied to call the backdoor number in the sticky above.

Both times I applied with Barclays I was denied and approved on RECON.

Call the number, ask for reconsideration and be sincere. They are great with Recons. if you get approved, call the backdoor number and ask for a higher limit.

Re: Barclay Question

Anonymous — Fri, 27 Apr 2012 05:48:21 GMT

so did you get approved?

Re: Barclay Question

Anonymous — Mon, 30 Apr 2012 16:54:51 GMT

I just now applied and was approved!!!! Yay!!! I just had to explain a couple of blemishes on my report and they were happy to see how well I've handled my credit for the past few years. They gave me a limit of 2500 and I asked if I could get it to $3000. She put me on hold and came back with the $3000! This is by FAR my highest credit limit. Super excited!

Re: Barclay Question

Anonymous — Mon, 30 Apr 2012 17:48:17 GMT

@Anonymous wrote:
I was planning on applying for 3 possibly 4:

Walmart
Barclay
Amex Charge (possibly)
Rooms To Go

As a heads up...

You may want to app for Walmart last, as their TLs report very, very quickly (within a week of approval) and that will effect your AAoA.

Re: Barclay Question

Anonymous — Mon, 30 Apr 2012 18:05:13 GMT

@Anonymous wrote:
I just now applied and was approved!!!! Yay!!! I just had to explain a couple of blemishes on my report and they were happy to see how well I've handled my credit for the past few years. They gave me a limit of 2500 and I asked if I could get it to $3000. She put me on hold and came back with the $3000! This is by FAR my highest credit limit. Super excited!

Congratgs!!!! i know the feeling of getting approved for a good card! A few days a go i got approved for a Discover More card! For the Barclay credit with apple, is this a store card credit only or is it an actual credit card (Visa or Mastercard)? Thanks!

Re: Barclay Question

Anonymous — Mon, 30 Apr 2012 18:41:14 GMT

@Anonymous wrote:
@Anonymous wrote:
I just now applied and was approved!!!! Yay!!! I just had to explain a couple of blemishes on my report and they were happy to see how well I've handled my credit for the past few years. They gave me a limit of 2500 and I asked if I could get it to $3000. She put me on hold and came back with the $3000! This is by FAR my highest credit limit. Super excited!
Congratgs!!!! i know the feeling of getting approved for a good card! A few days a go i got approved for a Discover More card! For the Barclay credit with apple, is this a store card credit only or is it an actual credit card (Visa or Mastercard)? Thanks!

Its a Visa card good anywhere

Re: Barclay Question

IrishPM — Mon, 30 Apr 2012 19:51:30 GMT

I'm a regular shopper at LL Bean (online) and got tired of their hounding me to apply for their Visa card to "save 15%" at checkout so I applied. Instant approval for a whopping $650 credit line. I should have resisted the ads to apply for the card because not only does the CL suck, setting up your profile with login/password information is tedious to say the least. No balance transfers. No cash advance. No credit line increase for at least a year if they feel like it. I've used the card maybe 3 times in 9 months for small orders at LL Bean so I'm showing activity with Barclay's Bank but will mothball/sock drawer this card for now. I get way better benefits with my Venture Captial One card or Citi Hilton Honors Signature Visa card.