Which Barclay card to apply for?

[Anonymous]

Current FICO:   

679  TU

653  EQ

639  EX

I am interested in applying for a Barclays card....  Which do you think it the one i would have the best shot at getting a $1500 credit line with?

Apple Rewards

NFL

Frontier 

Holland America

I currently have a Discover at $1600 and tons of store cards... Can't quite figure out how to get it in my siganture line yet...  Thanks in advance !

[FinStar]

Don't just go by which one you have a best shot for approval odds. What are you trying to accomplish with the card? Are you focusing on any specific rewards?

Keep in mind that scores aren't going to be the only thing they'll review. Number of inquiries, new accounts (if applicable), income, utilization and history are some of the other factors they'll take into consideration.

[Anonymous]

+1 above

What about the Uber Visa? That card is great for restaurants, phone insurance, $50/year credit and 3% on travel...and it's a Visa Siggy.

[Anonymous]

Ok !  I finally figured out how to put my info into my signature line !  I was thinking Barclays as my TU is my best score at 679 ... Honestly, i would love a card with travel rewards, however, i really just wanted the extra credit line to go on a vacation...  i had open heart surgery last summer and haven't been able to do much !!!  I'm young..  46 !!!  We already booked a cruise on Holland America which is why I was thinking that card, but honestly, i had read that Apple and NFL were the easiest cards to get and with a decent credit line...  My problem may be the inquiries at 30 !!!  I went to purchase a car in Nov and they hit me nonstop at the dealership even AFTER telling them to submit to 3 banks...  here is my up to date info...

Fico 8 Scores -
12/2016 TU-545 EQ -567 EX- 562
04/2018 TU-679 EQ- 653 EX-639

Discover - $1800 Merrick- $1400 Credit One -$900 Capital One- $500 First Premier -$400 Milestone - $300
Helzberg- $3500 ZGallerie $3000 Wayfair - $1500 Williams Sonoma-$1500 Lowes $1000 Care Credit - $500 Overstock $450 TJ Maxx $350 Gordman's $350

Signature Loan Credit Union $5000 (consolidation) plan to close all sub prime cards by Sept. 2018

Over all utitilazation is 48%

30 inquires

[Anonymous]

I read the UBER card was quite a bit more difficult to get that the Apple...  is this not true?  i would definitely rather that card...

[Anonymous]

I don't think so, people say this and that. It all comes down to your profile....However, Barclay do not like too many inquiries.  So even if a card was "easier" to get, those inquiries might be an issue.

[Anonymous]

Why dont you try Disco? they'll match whatever points you earn in a year. Say you collect 20,000 they will you another 20,000

[Anonymous]

I have a Disco  $1800 limit..  just had an Auto CLI for $200 from $1600  4 days ago... i tried to recon for more on the phone and it was a NOGO.. they told me to try back in 30 days...  it was just a soft pull of a score from 4/2/18 which was 655  .. i am at 679 today...  CSR said they don't do hard pulls yet.. i just let it go because she didn't seem very helpful !!!

[Anonymous]

thanks.. yes i have read so many different things about Barclays !!!!   but the one thing that is consistent is the inquiries issue !!  hmmmm....  i guess i will sleep on it and decide !!

[FinStar]

As c00mtg mentioned above, your inquiries plus utilization may not put you in the best odds for approval, unfortunately.

Even if you decided to apply and go the reconsideration route, and if successful, it's possible you'll only get approved with a very low SL, not $1,500.

If you recently were able to get the consolidation loan to get some things organized financially, work on getting the balances down and consider Barclays down the road. It just doesn't seem optimal at this point in my view. But, others can chime in.