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Barclay VISA Apple Rewards

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Barclay VISA Apple Rewards

My wife has a 710 experian fico score. We went into Apple store to get her a MacBook Air. She applied. She has a great score and her employment at this time is non existent. In store it said unfortunately at this time they couldn’t. But she got an email saying her app is being reviewed. What are the chances and what should she do?
Message 1 of 8
7 REPLIES 7
Frequent Contributor

Re: Barclay VISA Apple Rewards

I mean her employment isn’t non existent. She gets 600 a month to pocket from daycaring.
Message 2 of 8
Regular Contributor

Re: Barclay VISA Apple Rewards

She could call Barclays and say that she forgot to include your income, if you as a couple are okay with that. You can put your combined income on most applications as long as you're willing to possibly send paystubs and whatever to them as proof. 

Message 3 of 8
Valued Contributor

Re: Barclay VISA Apple Rewards

Also, Barclays pulls TU not EX.  If she doesn't have much activity on TU it might be approved, but it would probably be easier w/ HHI instead of 600/mo.  Give them a call - 866-205-5973

500K+ TCL / 800+ FCOs
Message 4 of 8
Community Leader
Valued Contributor

Re: Barclay VISA Apple Rewards

You can always try recon. Just update the income. Good luck!

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Message 5 of 8
Super Contributor

Re: Barclay VISA Apple Rewards


@EricHeisenberg wrote:
My wife has a 710 experian fico score. We went into Apple store to get her a MacBook Air. She applied. She has a great score and her employment at this time is non existent. In store it said unfortunately at this time they couldn’t. But she got an email saying her app is being reviewed. What are the chances and what should she do?

see  Message# 3

since it say's "she got an email saying her app is being reviewed."

its not an instant denial. again see see  Message# 3

Barclay will probably Pull TU (fyi)

 

GL2DW

Message 6 of 8
Frequent Contributor

Re: Barclay VISA Apple Rewards

Update peeps. She called and was give a CL of 700 lol. But she denied and waited
Message 7 of 8
Valued Contributor

Re: Barclay VISA Apple Rewards


@EricHeisenberg wrote:
Update peeps. She called and was give a CL of 700 lol. But she denied and waited

so, ,she was approved for 700 and then the rest doesn't make sense.

 

If you have her call  866-205-5973  and talk to a credit analyst about the CL they can possibly up the limit to a level in which she can make the purchase and not be choked out by the UTIL on it.  Also, updating the income to include yours will exponentially raise the CL.

500K+ TCL / 800+ FCOs
Message 8 of 8
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