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Barclays post BK discharge, mind sharing?

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TXinandout
Frequent Contributor

Barclays post BK discharge, mind sharing?

I iiB two of their cards (waiting for discharge now), and I'm wondering how long did it take you to get back in with them?

 

1) How many cards did you burn?

2)How long after discharge were you approved?

3) TU score at the of the application?

 

I hope we can have some people sharing their experiences, I will give it my first try 6 months post-discharge.

 

Thank you!

BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Message 1 of 24
23 REPLIES 23
kjm79
Valued Contributor

Re: Barclays post BK discharge, mind sharing?

Consensus on the forums is 6 months to a year of rebuilding before Barcalys will let you back in. If you are still blacklisted and apply they won't even pull your reports, so no HP. 


CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16
Message 2 of 24
TRC_WA
Senior Contributor

Re: Barclays post BK discharge, mind sharing?

I got a Barclay's Apple card in Sept of 2013 with a TU score in the 660 range... but I had never burned them.

 

I got Sallie Mae late 2014 and moved the Apple limit over prior to cancelling that card.

FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24
Message 3 of 24
Anonymous
Not applicable

Re: Barclays post BK discharge, mind sharing?

Obtained  Rewards + Apple Rewards 5-6 months after discharge. Did not IIB any Barclays cards though.

Message 4 of 24
Pway
Valued Contributor

Re: Barclays post BK discharge, mind sharing?

I was approved 6 months post discharge.  My score at that time was a 630.  It was for the Rewards MC.

Thank you for the wealth of knowledge I have learned from these forums. I am logging off as of November 9, 2022. I wish everyone great success.
Message 5 of 24
Anonymous
Not applicable

Re: Barclays post BK discharge, mind sharing?

I was approved 3 months post BK discharge for Rewards MC ($1,500 SL, now $4,000 auto CLI from last month) Did not burn them. My TU score at that time was 598

Message 6 of 24
kugel
Valued Contributor

Re: Barclays post BK discharge, mind sharing?

Will they approve me a year after bk didn't iib for a card dif form the reward mc like the ring card ?
Message 7 of 24
kugel
Valued Contributor

Re: Barclays post BK discharge, mind sharing?

Will they approve me a year after bk didn't iib for a card dif form the reward mc like the ring card ? With a score 670
Message 8 of 24
0REDSOX7
Valued Contributor

Re: Barclays post BK discharge, mind sharing?

Barclays like to see (or doesn't like to see) two things...

 

1) They usually like to see some history of other cards post discharge before they will approve you.  Some say three months.  Some say six months.  Regardless, be sure to have some history reporting before you apply for them.

 

2) They hate to see a ton of inquiries - even AFTER you get the card from them.

 

I got both the Barclays Rewards Mastercard and the Apple Visa six months post discharge from them.  I had not burned them in my BK, but my Mastercard is my daily driver, per say.  I've earned over $400.00 in rewards from them so far and have received an auto-CLI ever six months.  Started with $750, and am now at $7,000.  Have never NOT paid in full and they have rewarded me quite nicely.

BK Discharge 2/11/14

Currently in the garden.
Message 9 of 24
TXinandout
Frequent Contributor

Re: Barclays post BK discharge, mind sharing?

That's great info! I hope one day they give me a second chance.

BK Discharged 06/02/2016 SCORES AROUND 475

Current scores:
EXP-667
EQ-654
TU-653
Message 10 of 24
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