Barclays Arrival Plus Approval

[Anonymous]

 Back in 2014 I was previously denied the Barclay's arrival plus credit card back (when I was still a student) for not enough income. Since then I am now employed with a good and steady income and want to attempt at another application. My credit score is 748 and I currently have a total credit limit of $15k over 2 credit cards. The only thing bringing down my score is my average credit history of 4.7 years due to several recent student loans. I currently have 2 hard inquires on my report and was wondering if it was worth applying and taking another inquiry at this point if there was a risk of being denied. Also if I do get denied, how easy is it in these circumstances to call and ask for reconsideration?

[B335is]

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@Anonymous wrote:

 Back in 2014 I was previously denied the Barclay's arrival plus credit card back (when I was still a student) for not enough income. Since then I am now employed with a good and steady income and want to attempt at another application. My credit score is 748 and I currently have a total credit limit of $15k over 2 credit cards. The only thing bringing down my score is my average credit history of 4.7 years due to several recent student loans. I currently have 2 hard inquires on my report and was wondering if it was worth applying and taking another inquiry at this point if there was a risk of being denied. Also if I do get denied, how easy is it in these circumstances to call and ask for reconsideration?

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You will have no problem getting approved.  4.7 years AAOA is twice mine at the time and I had about 10 inquiries.  Even if you have to ask for reconsideration, you should have no problem whatsoever getting it overturned, but I really think you'll get an instant decision.

[Anonymous]

Welcome to MyFico.  You ahould be fine.  That is a healthy AAoA and should have no problem whatsoever.  Report back with results if you do apply.

[willwar14]

I'd be suprised if you get denied by the system, even if you do, you should have no problems what so ever on recon on the slight chance you do. Good luck!!

[SouthJamaica]

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@Anonymous wrote:

 Back in 2014 I was previously denied the Barclay's arrival plus credit card back (when I was still a student) for not enough income. Since then I am now employed with a good and steady income and want to attempt at another application. My credit score is 748 and I currently have a total credit limit of $15k over 2 credit cards. The only thing bringing down my score is my average credit history of 4.7 years due to several recent student loans. I currently have 2 hard inquires on my report and was wondering if it was worth applying and taking another inquiry at this point if there was a risk of being denied. Also if I do get denied, how easy is it in these circumstances to call and ask for reconsideration?

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With that score I think you'll get approved, nothing to worry about.

Barclays pulls TU, so if your TU FICO is in that range you should be fine.