Barclay Apple Visa - What are my odds?!

[dls80]

Hey all,

I just checked TU FICO (686)  I have a single 30 day late 0n 4/15 and high/ near max uti on 1 card (made large purchase & will pay off next month).  How am I lookingfor a Barclay Apple Visa?  Do you think I have a solid chance at approval?  Any recent success out there?  Heck any recent denials?  

Thanks

[SouthJamaica]

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@dls80 wrote:

Hey all,

I just checked TU FICO (686)  I have a single 30 day late 0n 4/15 and high/ near max uti on 1 card (made large purchase & will pay off next month).  How am I lookingfor a Barclay Apple Visa?  Do you think I have a solid chance at approval?  Any recent success out there?  Heck any recent denials?  

Thanks

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Your chances look good unless you have a bunch of recent inquiries; Barclays is overly jumpy about inquiries.

[dls80]

Thank you for your response. Do you know how soon an inquiry will show? I applied for synchrony about a week ago.

[fltireguy]

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@dls80 wrote:
Thank you for your response. Do you know how soon an inquiry will show? I applied for synchrony about a week ago.

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Inq's show instantly

[Anonymous]

I have a similar TU score plus a few old baddies still reporting and I just got approved for this card the other day. I've tried Batclay before (not the Apple rewards) and got denied. I got a $2k starting limit.

[dls80]

Oh dang. Well I just have 2 inquiries. One last week and the other about 6 months ago.

[dls80]

Thanks cam3150. Inq comment meant for pp. if you don't mind me asking, how recent are your baddies?

[Anonymous]

I only have 3 left and they're all from 2009 / 2010. I'm about 6 months away from mostly clean reports. My TU is my cleanest because they removed my paid judgements where the other CB's just show them as paid. It's 686 as of today.

[Anonymous]

I was approved for the Apple card for 2K in January I think with a 604 and 1 6.5yr old CO and 90% utilization (didn't know anything about credit then.) This is one of the easier Barclay cards to get approved for, but I'd still wait for your payment to post and report to optimize your chances with a lower utilization. 

[dls80]

thanks