Score needed for Barclaycard Apple Rewards

[Anonymous]

I am new to credit and credit cards. I currently have a Discover it card secured with $200, a best buy card for $1000 (i'm an authorized user and responsible for it aswell.) and I just got approved for a Capital One Platinum Card for $300. My credit score according to CK is TU 650 EQ 655 and Capital One CreditWise says 650. Discover is unable to find a FICO score for me, probably due to my credit being new. I have had the Discover it card for 4 months, Best Buy 3 months and Capital One 1 month. I wanted to get a laptop from Apple for school, around $1600 and wanted to finance it with the Barclaycard. I have no prior credit to this besides Acceptance Now, which I closed after 1 year, I paid it off because of the interest. Im a 20 year old college student. What do my approval odds look like to you guys? or should I just wait? Thank you!

[capnsloya]

Welcome to the forums Chris!
I would suggest waiting until you have 6 months of history with your first card and then checking your FICO scores on credit check total for a buck.. As long as you're paying on time and keeping your utilization low, you should have some pretty good starting scores

I can speak from experience that some of the bigger lenders like to see an actual FICO score before approving you. Good luck!

[AverageJoesCredit]

Yup, 6 months needed to establish your Fico. Your off to a good start. Take care of your credit and it will take care of you

[Anonymous]

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@Anonymous wrote:

I am new to credit and credit cards. I currently have a Discover it card secured with $200, a best buy card for $1000 (i'm an authorized user and responsible for it aswell.) and I just got approved for a Capital One Platinum Card for $300. My credit score according to CK is TU 650 EQ 655 and Capital One CreditWise says 650. Discover is unable to find a FICO score for me, probably due to my credit being new. I have had the Discover it card for 4 months, Best Buy 3 months and Capital One 1 month. I wanted to get a laptop from Apple for school, around $1600 and wanted to finance it with the Barclaycard. I have no prior credit to this besides Acceptance Now, which I closed after 1 year, I paid it off because of the interest. Im a 20 year old college student. What do my approval odds look like to you guys? or should I just wait? Thank you!

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Welcome to the forums.

Barclays likes to see about a year of payment history, so if the Discover card is only 4 months old, then I would wait until April of next year before applying.  Also, since all you have are vantage scores, that would be another reason to wait until you're able to get a real TU score before even considering applying for the card. 

[Anonymous]

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@capnsloya wrote:

Welcome to the forums Chris!
I would suggest waiting until you have 6 months of history with your first card and then checking your FICO scores on credit check total for a buck.. As long as you're paying on time and keeping your utilization low, you should have some pretty good starting scores

I can speak from experience that some of the bigger lenders like to see an actual FICO score before approving you. Good luck!

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Okay, thank you! I'll just wait like you said.