Barclay ring odds?

[thummel]

So I'm trying to pick up the last card that I want which is the Barclay ring. Right now I'm sitting at a 748 TU score with 3 inquiries which are fairly recent. 2 new accounts currently reporting within the last 6 months. My double cash and chase United card are not reporting yet. 6 percent utilization over all my cards. I currently don't have any cards with Barclay so this would be my first. I'm afraid there going to say I have too much credit with other lenders as I have over 50K total and only going to report a 25K income to them. Any advice is greatly appreciated.

[Anonymous]

TBH the only thing here that's of any concern is your credit to income ratio.

BUT, I still think you have a good chance and the only way to find out for sure is to apply.

[SouthJamaica]

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@thummel wrote:
So I'm trying to pick up the last card that I want which is the Barclay ring. Right now I'm sitting at a 748 TU score with 3 inquiries which are fairly recent. 2 new accounts currently reporting within the last 6 months. My double cash and chase United card are not reporting yet. 6 percent utilization over all my cards. I currently don't have any cards with Barclay so this would be my first. I'm afraid there going to say I have too much credit with other lenders as I have over 50K total and only going to report a 25K income to them. Any advice is greatly appreciated.

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IMHO you're absolutely good to go with that TU score.

And as far as I'm concerned it's the best credit card out there; I love having it.

If you happen to get turned down recon it through the backdoor number and ask them to give you a small limit and a chance to prove yourself.

If that doesn't work, wait at least 3 1/2 months -- the longer the better -- and apply again. (The reason I say the longer the better: Barclay actually holds it against you that you have recent inquiries from THEM).

[thummel]

I did submit an app and it went into pending. Not sure if that's just a denial or not. Should I call or should I wait it out? Not sure what number to even call either.

[Anonymous]

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@thummel wrote:
I did submit an app and it went into pending. Not sure if that's just a denial or not. Should I call or should I wait it out? Not sure what number to even call either.

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First check here https://www.barclaycardus.com/app/japply/checkstatus.do?default_partner=003 and see what it says.  If it's anything other than an approval call the below number and tell them that you're checking on the status of your application.

Barclays: 866-205-5973

[SouthJamaica]

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@Anonymous wrote:

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@thummel wrote:
I did submit an app and it went into pending. Not sure if that's just a denial or not. Should I call or should I wait it out? Not sure what number to even call either.

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First check here https://www.barclaycardus.com/app/japply/checkstatus.do?default_partner=003 and see what it says.  If it's anything other than an approval call the below number and tell them that you're checking on the status of your application.

Barclays: 866-205-5973

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Great advice on all counts.

But where does that Juniper link come from? I would have thought this was the link:

https://www.barclaycardus.com/apply/cas/applications/search

[thummel]

Well as of right now when I go to check it this is what it's telling me. Thank you for your recent application. We're in the process of reviewing the information you provided for your Barclaycard Ring MasterCard application.
Please keep in mind it may take up to 10 business days to process your application. There is no need to reapply. If you provided an email address, we will send you an email upon review of your application. Please feel free to check back as this page will display the most recent status updates.

[Anonymous]

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@thummel wrote:
Well as of right now when I go to check it this is what it's telling me. Thank you for your recent application. We're in the process of reviewing the information you provided for your Barclaycard Ring MasterCard application.
Please keep in mind it may take up to 10 business days to process your application. There is no need to reapply. If you provided an email address, we will send you an email upon review of your application. Please feel free to check back as this page will display the most recent status updates.

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Call them on the number I provided.

[thummel]

Is that number 24 hours or should I call during the day? Don't want to get the wrong person on the phone because it's late

[Anonymous]

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@thummel wrote:
Is that number 24 hours or should I call during the day? Don't want to get the wrong person on the phone because it's late

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its open 24 hours