Barclaycard for Average Credit

[mynamemightbetim]

Got a question from my fiance: She wants to apply for the barclaycard for average credit butshe's worried to waste the inq.. currently has four inquires in the past year, and was recently accepted for a cap 1 card with a 2K limit. It hasn't even got here in the mail yet. Her score is in the 680-710 range. Do you think it's worth putting in the app?

Thanks

[pizza1]

I say go for it. I was 6 months out of a BK, scores for TU were 635 at the time of approval. I had tins of inquiries an lots of new cards too!! Just depends I guess on the person and there overall credit picture. They are very good to recon with in the back door #. Try Barclays prequal site and see if the card pops up as a preapproval. If it does, you will see a "congratulations " you are preapprovals at the top and for which card. That's what happened to me. Good luck!

[Kenny]

The chances for approval are good, but you didn't tell us how many are on transunion. I do think it's a go, though.

[Anonymous]

Just want to share my personal input. I had 10+ inq on TU with only 6 months of credit history at the time I got approved for Sallie Mae, which should be one of the easier cards from Barclaycard. It can be very YMMV I'd say. My buddy who applied the same card, having the same salary and almost the same length of credit history/CL in total, but got rejected.

[Kennie02]

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@mynamemightbetim wrote:

Got a question from my fiance: She wants to apply for the barclaycard for average credit butshe's worried to waste the inq.. currently has four inquires in the past year, and was recently accepted for a cap 1 card with a 2K limit. It hasn't even got here in the mail yet. Her score is in the 680-710 range. Do you think it's worth putting in the app?

Thanks

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I was approved for Barclays Rewards with 650 TU on recon. There was concern over some new accounts that were less than 6 mos old. I say go for it. If they say no, then def have her call to recon.

[Florida1990]

Agreed go for it.

[CenturyChild]

FICO 680+ with less than 2INQ in last 6 months should be an approval provided everything else looks good.

Good Luck. Its a great everyday card!

[bigblue7722]

She should have no problem getting the card. I would also check their pre approval as well. Sorry I don't have a link but just Google it. Also, I may suggest applying for the sallie Mae Mastercard. It's similar to the rewards Mastercard I would apply for it

[Creditaddict]

I would apply for the Barclay Sallie Mae card over the regular rewards card for average credit...

[Anonymous]

I just got approved with a 598 credit scores and plenty of old baddies on my account. They denied me at first but I called their reconsideration line and got approved. I am guessing with that credit score she should be fine.

And to the other responses I wish I would have read this forum before I applied ... now I have to go research this sallie may card.

wow ... I wish I would have done this just based on the 2500 reward points available .. here is to hoping the Sallie may card is harder to get .... I will believe that anyway since I have already applied for and gotten the rewards card.