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Applied and received immediate denial, called to recon and although she complemented me on rebuilding my credit since the bankruptcy 6 months ago, she cited that a few accounts were less than 3 months old (sony card, NFCU nRewards).
I was waiting on this one for my BK to hit 6 months, TU was 632 and less than 30% util.
Bummer - oh well, ill try again in 3 months.
@Anonymous wrote:Applied and received immediate denial, called to recon and although she complemented me on rebuilding my credit since the bankruptcy 6 months ago, she cited that a few accounts were less than 3 months old (sony card, NFCU nRewards).
I was waiting on this one for my BK to hit 6 months, TU was 632 and less than 30% util.
Bummer - oh well, ill try again in 3 months.
I waited just over a year from my discharge date before I tried Barclay. I got the online approval for $650 and called in the next day and got it raised to $1k even. A month later I apped for the Apple card and was approved for $2k. I think they like to see about 12 months of history after discharge but it may vary.
@Anonymous wrote:Applied and received immediate denial, called to recon and although she complemented me on rebuilding my credit since the bankruptcy 6 months ago, she cited that a few accounts were less than 3 months old (sony card, NFCU nRewards).
I was waiting on this one for my BK to hit 6 months, TU was 632 and less than 30% util.
Bummer - oh well, ill try again in 3 months.
Sorry for the denial. But save yourself the hardpull and don't apply in three months. Give it at least a year. Your BK is still very new and Barclays likes to see some history before approving. So don't be hasty in your decision to apply. Give it some time.
Barclay can be weird....I was approved for Barclay Rewards MC for $1,500 in September 2015....3 months POST BK7 discharge! (I got my first card the month before with Merrick Visa) go figure!
I had to get the apple rewards first, did that on the apple website, 3 months later I asked for a PC change to the rewards. they granted it and also gave me a 700 SP CLI. your results may vary but thats how i finally got in with the barclay rewards.
i just apply for this credit and unable to approve, no wan want to give me cards