Profile for Barclays Rewards application

Anonymous · ‎08-05-2015

I am thinking of applying for Barclays rewards cc in the near future. Could anyone advise what profile is needed to get approved for this card? I have two credit lines (Discover iT & Cap 1 secured), 4 inquiries, AAOA 4 months, no Fico score yet. Any advice greatly appreciated.

Anonymous · ‎08-05-2015

@Anonymous wrote:
I am thinking of applying for Barclays rewards cc in the near future. Could anyone advise what profile is needed to get approved for this card? I have two credit lines (Discover iT & Cap 1 secured), 4 inquiries, AAOA 4 months, no Fico score yet. Any advice greatly appreciated.

Time will be your friend here, Barclaycard really stresses age of accounts.

Anonymous · ‎08-05-2015

Barclay told me when I originally got my card that they like to see at least 1 year history with a major cc and preferably 2 years. They are not generally known to approve people as a first card or with short histories.

Anonymous · ‎08-05-2015

Thanks, I was hoping they accepted six months AAOA. Any advice on another card?

Anonymous · ‎08-05-2015

@Anonymous wrote:
Thanks, I was hoping they accepted six months AAOA. Any advice on another card?

I would continue to give it time until your first year managing accounts.

CreditCuriosity · ‎08-05-2015

Agree with other posters of a year of history before applying for Barclay's

GoldSorata · ‎08-05-2015

Barclays does like to see history but I view the rewards as one of their entry level cards and I think one can get by with only 6 months of history on revolving accounts (that's when I got approved) however I did have mortgage and student loan history. I also had a 640 TU Fico at the time due to high util. They approved me but just barely, got a $500 SL that they wouldn't reconsider when I tried calling. They've since bumped up to $1500 after 6 months.

Anonymous · ‎08-05-2015

Thanks again to all of you, guess Ill wait for 1 year then.

Anonymous · ‎08-05-2015

@Anonymous wrote:
Thanks again to all of you, guess Ill wait for 1 year then.

It's only 8 months.

barthooper · ‎08-05-2015

Barclay Rewards was my first CC I got back in Jan 2014. Prior to that I only had student loans on my report. I was approved for $1500 after they called to ask for my past address. Four months later I got the Sallie Mae MasterCard at $4700. Obviously YMMV but giving Barclays a shot as a first CC is possible in my opinion, if you have student/auto loans on your credit report.

Edit: I wanted to point out that it wouldn't be a good idea in OP's case, without having a FICO and with such new accounts, but that in general terms it is possible.