barclaycard think I'll get approved?

Anonymous · ‎01-14-2015

Hey folks,

I just wanted everyones opinion on if you think i'll get approved for the Barclaycard Rewards MC. My scores are as follows

Equifax 598

Transunion 614

Experian 624

I have two CC. first one is a Capital one card $300 limit soon to be $500 once I get one more statement. The other is a Discover it card secured $300 limit which Im not sure when I can have it switched from secured to a regular credit card. Utilization was a little high for the holidays but Im chipping away at it.

I applied for the Barclay card and got a "7-10 day" response. Should I recon or is this going to be a decline? Thanks

Anonymous · ‎01-14-2015

Length of history for both cards?

CreditCuriosity · ‎01-14-2015

Can try to recon, since you took the HP already... Call the backdoor number on the sticky... TU is a bit low for rewards card, best of luck!

uswala · ‎01-14-2015

@CreditCuriousity wrote:
Can try to recon, since you took the HP already... Call the backdoor number on the sticky... TU is a bit low for rewards card, best of luck!

+1

skigirl916 · ‎01-14-2015

@CreditCuriousity wrote:
Can try to recon, since you took the HP already... Call the backdoor number on the sticky... TU is a bit low for rewards card, best of luck!

+1, but I'd still expect a denial.

elim · ‎01-14-2015

I got the 7-10 day with a 666 TU score, AAoA of 8 yrs, 0 open positive TL's, many closed positive TL's, 2 baddies (4 yrs old tax lien and old CO). They called to verify and $500 approval. Recon a few times if you need to, good luck.

Anonymous · ‎01-14-2015

Def worth a recon.

Anonymous · ‎01-14-2015

both of my two CC are both 5 months old. I will do some recon and hopefully I can get it. The only reason I applied for it was because it was listed in the credit cards for my scores. If I can get it i wont app for a new card for a long while.

Anonymous · ‎01-15-2015

ok so I called to recon and spoke to a nice guy by the name of Jon and talked for about 10mins, went over my income and credit. asked about the amount of inquires which is a lot for 2014 (I was doing a lot of car shopping untill I bought my 2015 Honda and before I became a memeber of this forum). He also asked me about the 2 cap one CO from 2011 and HSBC CO from 2011. I informed hiim I was working on paying them. At the end I thought I might get something but he said they couldnt. I would need to take care of the CO first. Should I call and try for another person or just wait?

CreditCuriosity · ‎01-15-2015

@Anonymous wrote:
ok so I called to recon and spoke to a nice guy by the name of Jon and talked for about 10mins, went over my income and credit. asked about the amount of inquires which is a lot for 2014 (I was doing a lot of car shopping untill I bought my 2015 Honda and before I became a memeber of this forum). He also asked me about the 2 cap one CO from 2011 and HSBC CO from 2011. I informed hiim I was working on paying them. At the end I thought I might get something but he said they couldnt. I would need to take care of the CO first. Should I call and try for another person or just wait?

Can try again.. How much did you burn HSBC for? I had one with them and got approved.