topic Re: I want a BARCLAYS card! in Credit Cards

I want a BARCLAYS card!

Anonymous — Sat, 12 May 2012 23:57:34 GMT

TU SCORE 605 is it even worth trying?

Re: I want a BARCLAYS card!

ILBrian — Sun, 13 May 2012 00:02:30 GMT

Which card? & Why do you want it? They don't provide any real special benefits other than the ring with low APR (which that score wouldn't qualify for)

Re: I want a BARCLAYS card!

Anonymous — Sun, 13 May 2012 00:04:23 GMT

I want to get the IPAD.

@ILBrian wrote:
Which card? & Why do you want it? They don't provide any real special benefits other than the ring with low APR (which that score wouldn't qualify for)

Re: I want a BARCLAYS card!

laboi_22 — Sun, 13 May 2012 00:04:57 GMT

Barclays will deny you based on inquiries alone. They are very very sensitive to inquires. You will waist another HP. I reconed with them 3 times. All said no. I had 5 INQ

Re: I want a BARCLAYS card!

Anonymous — Sun, 13 May 2012 00:06:03 GMT

@laboi_22 wrote:
Barclays will deny you based on inquiries alone. They are very very sensitive to inquires. You will waist another HP. I reconed with them 3 times. All said no. I had 5 INQ

Thanks for the input, I already had the application pulled up lol. I will refrain from applying at this point I guess.

Re: I want a BARCLAYS card!

laboi_22 — Sun, 13 May 2012 00:09:24 GMT

If you don't care about another HP give it a try but take it from me chances are you will not be approved. At this point my advice would be to garden and work on growing your current lines. If anyone does approve you at this point you will get stuck with low credit lines and high APRs.

Re: I want a BARCLAYS card!

ILBrian — Sun, 13 May 2012 00:14:01 GMT

Do you have any open lines with Walmart? or Bestbuy? Other companies sell the ipad and usually you can get some sort min spend x deferred payment offer

Re: I want a BARCLAYS card!

Anonymous — Sun, 13 May 2012 00:15:59 GMT

@ILBrian wrote:
Do you have any open lines with Walmart? or Bestbuy? Other companies sell the ipad and usually you can get some sort min spend x deferred payment offer

Walmart, but a sad limit. ($150)

I guess I would have to wait and just be patient.

Re: I want a BARCLAYS card!

Anonymous — Sun, 13 May 2012 00:19:01 GMT

I'd really wait a while.

Re: I want a BARCLAY card!

ILBrian — Sun, 13 May 2012 00:20:50 GMT

Is the walmart card still fairly new? Meaning has the 4th statement hit yet? If the 4th statement has hit then I would attempt a online cli (soft) if that fails then.. perhaps with an HP and explanation of need you may be able to get a higher limit

Re: I want a BARCLAY card!

Anonymous — Sun, 13 May 2012 00:20:55 GMT

@ILBrian wrote:
Is the walmart card still fairly new? Meaning has the 4th statement hit yet? I would definitely attempt to grow the card... perhaps with an HP and explanation of need you may be able to get a higher limit

Not yet, I ordered some stuff online maybe $20 worth just the other night for the first time. I haven't had the first statement yet.

Re: I want a BARCLAYS card!

Mike360 — Sun, 13 May 2012 05:03:17 GMT

Might have to wait at least 6 months. I'd suggest best buy for one. I got mine there and no one can beat the financing terms they offer. With those scores you'll be denied. Even if you got approved it would be a toy limit with AF. Wait till u can get a Walmart CLI and go from there which will take couple months. Probably ur best shot.

Re: I want a BARCLAYS card!

remarc — Sun, 13 May 2012 16:03:58 GMT

Question is this.. why would you want a Barclays card??? Teriible APR and short 0% balance .. Get Best buy Card , you can still buy Apple products. there is no difference between buying at the Apple store or Best buy.. I know i work for apple as a Genius and Best Buy gives you 18 Months 0%

No brainer.

Re: I want a BARCLAYS card!

Anonymous — Sun, 13 May 2012 16:34:54 GMT

@remarc wrote:
Question is this.. why would you want a Barclays card??? Teriible APR and short 0% balance .. Get Best buy Card , you can still buy Apple products. there is no difference between buying at the Apple store or Best buy.. I know i work for apple as a Genius and Best Buy gives you 18 Months 0%

No brainer.

Except for the fact that he probably will have a better chance at getting a Barclaycard in 6-12 months with a great limit over a Best Buy card with a toy, $300 limit with an annual fee.

Re: I want a BARCLAYS card!

remarc — Sun, 13 May 2012 16:43:11 GMT

I got $1300 CL on my card.. 3 months later i went into the store made a phone call from the store phone to say i was going to make a big purchase and they increased my limit up to $1500 .. The store card has no anual fee to boot

I only have 4 years of Histroy as im new to the country.. Best Buy has been greart. Always get 18 Months 0% and buy all my electronics from them..

The barcaly card is very strict with CL & very difficult to get from what i understand. And why would you want to pay something off in 6 months when you can do it over 18? and 22 to 24 APR??

Re: I want a BARCLAYS card!

Mike360 — Sun, 13 May 2012 19:53:01 GMT

@remarc wrote:
I got $1300 CL on my card.. 3 months later i went into the store made a phone call from the store phone to say i was going to make a big purchase and they increased my limit up to $1500 .. The store card has no anual fee to boot

I only have 4 years of Histroy as im new to the country.. Best Buy has been greart. Always get 18 Months 0% and buy all my electronics from them..

The barcaly card is very strict with CL & very difficult to get from what i understand. And why would you want to pay something off in 6 months when you can do it over 18? and 22 to 24 APR??

Yes the Best Buy Store Card is 100x better then the Apple Card from Barclays but the original poster would be denied the store card. Even if he was approved i am certain it would be for the low limit MasterCard that you wouldn't even be able to charge any apple products to cause of the low limit he/she will receive. The Apple Card from Barclay is alot easier to get approved for opposed to the Store Card from Best Buy due to Barclay being pretty good with recons on denials and easier to get credit limit increases for.