Barclay's Rewards Approval Odds

[Anonymous]

TU CK 641

I have 9 open accounts, One with 5 missed payments from over 2 years ago rest all Paid as Agreed no lates

1 closed derog from 2011

1 collection from 2013 Reports as open?

21 inqs 

I applied for them about a 2 months ago and was denied but since then have had an account removed from TU Report ( TOday actually) and I really want another credit card before I sit in the garden for a while.

What do you think the odds are? Make decent income if that matters.

[Gmood1]

Odds aren't good from what you have posted. Pull your true fico scores for a $1 from credit check total. That way you atleast know where you stand. Garden for 6 more months.

[Pway]

Barclay's specifically pulls transunion.  How does that profile looks?  Inq?  They are inq sensitive.

[KSK1912]

I had couple baddies, but several revolving accounts, car payment with no late, majority of the accounts less than 6 months old, and all accounts paid as agreed, 1% utilization, and i got denied online, got approved after a recon phone conversation. The same day in the evening i applied for Apprle Rewards card and got instant approval for double the SL of the Rewards MC. You may have a better chance with the Apple rewards card, and then wait a few months and ask them to convert it to rewards MC. Either way, great company to join. Best customer service i've ever seen. Period. I got approved in the morning and had my card in my hand the next day early am.

[KSK1912]

And they pull TU. My score was 641 according to them at the time they pulled it.

[Anonymous]

Profile listed is TU. 21 inqs on report.

Just pulled Fico 8 lists EXP 620 TU 618 EQ 626

[Pway]

Those 21 inq are not sitting well.  However, I was approved for the Rewards card with a 638 tu score.  I think if I was you I would garden some more and give it some more time.  You don't want to keep dropping your score from inq.

[Anonymous]

6 are from over a year ago if that matters at all lol

[ojefferyo]

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@Anonymous wrote:

TU CK 641

I have 9 open accounts, One with 5 missed payments from over 2 years ago rest all Paid as Agreed no lates

1 closed derog from 2011

1 collection from 2013 Reports as open?

21 inqs 

I applied for them about a 2 months ago and was denied but since then have had an account removed from TU Report ( TOday actually) and I really want another credit card before I sit in the garden for a while.

What do you think the odds are? Make decent income if that matters.

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They aren't going to like your baddies or your inquires with the score you have. It's an uphill battle OP take care of those first. 

[NichelleN]

I was declned with a TU of 684. I had too many fresh (they were 4.5 months old) inquiries and new accounts.

Note - I apped for the Barclay's NFL card.