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Barclays American Airlines Aviator approved $4000 SL 3.5 years after CH7 BK Discharge

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Royalbacon
Frequent Contributor

Barclays American Airlines Aviator approved $4000 SL 3.5 years after CH7 BK Discharge

Applied on Saturday Night, received a call while at work today on Memorial Day of all days from Barclays and they left a voicemail telling me to call back because they had a few questions to ask me regarding my application. A little over 2 hours later (Before I got on break and had a chance to call back) I received an email saying I was approved! Super happy with the $4000 limit, I had no expectations and didn't really care and that was more then I thought I'd get approved especially with my BK. Did not expect to get a call or receive a decision on Memorial day, but it was a pleasant surprise!


I've long wanted an airline/travel card and with my CH 7 BK from 2020 all the airline/travel cards that Chase, BOA, Amex, and Citi all offer (I Unfortunately burned City in BK sadly) are all out of reach. I remembered Barclays had an AA card too and saw the annaul fee on Barclays site. I found a different website on Google and saw they had the same offer (50,000 miles after your first purchase) With the annual fee waived for the first year. After seeing there was an offer to have the annual fee waived for the first year I really wanted the card. I searched like crazy all over MyFico, Google, Reddit, etc. reading old threads about Barclays and their DP's because I wasn't familiar at all with Barclays in the slightest and had literally no clue if they were BK friendly or not, and after analyzing my credit report after all my reading & research I wasn't confident but figured I at least had a chance at approval. Two potential dealbreakers I had about my credit report was my TU Fico 8 score that I pulled before applying was 680 even (I read numerous DPs that Barclays primarily pulls TU) and I wasn't sure if that'd be good enough for the Barclays approval or not because it's borderline based on the datapoints I read, and I was reading Barclays has a soft 6/24 rule and I just literally got approved for a different card from MSUFCU (Michigan State University Federal Credit Union) the day before and that would put me out 6/24 so I said what the heck and bit the bullet and applied before the MSUFCU card officially starts reporting on my credit reports, figured I had nothing to lose but a HP, and BAM! APPROVED! And i'm so happy that I did!

 

I'm still going to call Barclay's tomorrow regardless anyways because I never did return their voicemail haha

 

Anyone thinking of applying, do not apply from the Barclay's site here

AAdvantage® Aviator® Red World Elite Mastercard® | Barclays US (barclaycardus.com)

 

Apply from here instead, the $99 annual fee is waived.

Apply For the AAdvantage® Aviator® Red World Elite Mastercard® (applyaviator.com)

 

aviator approved.png

aviator offer no af.png

 

Chapter 7 Bankruptcy Filed-September 2020 Discharged-December 2020
Kohl's Credit Card $3000 Limit (Opened October 2016) Survived Bankruptcy for whatever reason
Closed Capital One Venture One $3000 Limit (Opened December 2020, Closed by me September 2022 since I wanted the SavorOne and couldn't product change to it)
Capital One Auto Loan (Opened March 2021)
Capital One Cabela's $5000 Limit (Opened December 2021)
America First Credit Union Visa $1000 Limit (Opened December 2021)
Capital One SavorOne $5500 Limit (Opened September 2022)
Sam's Club Mastercard Synchrony Bank $2500 Limit (Opened March 30 2023) (Burned Synchrony in my CH7 BK, One card with a $745 balance)
Idaho Central Credit Union ICCU Visa $10,000 Limit (Opened April 2023)
Message 1 of 11
10 REPLIES 10
NoMoreDebt
Senior Contributor

Re: Barclays American Airlines Aviator approved $4000 SL 3.5 years after CH7 BK Discharge

Congratulations

AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $5000 SL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ PAYPAL CREDIT LINE $1700/NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL
Message 2 of 11
Priory_Man
Valued Contributor

Re: Barclays American Airlines Aviator approved $4000 SL 3.5 years after CH7 BK Discharge

Congrats on the new card.






"Total revolving credit $286,000 Current UTIL >1%"
Message 3 of 11
JoeRockhead
Senior Contributor

Re: Barclays American Airlines Aviator approved $4000 SL 3.5 years after CH7 BK Discharge

Congratulations on your Aviator approval!

Message 4 of 11
Snook_on_the_Line
Established Contributor

Re: Barclays American Airlines Aviator approved $4000 SL 3.5 years after CH7 BK Discharge

Congrats.    🍾🎉🎈 

 

a sub with no spending requirements, gotta love it. 

5% Gas: Citi Custom Cash 9.4k
5% Amazon: Chase Prime VS 15k
3% grocery and streaming: Cap1 Savor 2500
2% catch all: NFCU CashRewards+ 13k, USB Smartly 2k
Sock Drawer: Jovia Elite 25k, Suncoast CU 20k, Lowe’s 35k,
Barclays AAdvantage Aviator Red 3k, CreditOne 1k



^^^Fico8 scores as of Dec ‘24
Total Revolving CL: $126,900


Message 5 of 11
FlaDude
Valued Contributor

Re: Barclays American Airlines Aviator approved $4000 SL 3.5 years after CH7 BK Discharge

Congrats on the new card!

Scores: March 21 FICO 8: EX 810, TU 808, EQ 813
AoOA: closed: 40 years, open: 30 years; AAoA: 14 years
Amex Gold, Amex Blue, Amex ED, Amex Delta Blue, Amex Hilton Surpass, BoA Platinum Plus, Chase Freedom Unlimited, Chase Amazon, Chase CSP, Chase United Explorer, Citi AA, Sync Lowes, total CL 203k
Message 6 of 11
keekers
Valued Contributor

Re: Barclays American Airlines Aviator approved $4000 SL 3.5 years after CH7 BK Discharge

Congrats.


Message 7 of 11
cashorcharge
Community Leader
Super Contributor

Re: Barclays American Airlines Aviator approved $4000 SL 3.5 years after CH7 BK Discharge

That’s Terrific!! Congratulations on your Approval!!👏🏼🍾🥂

Message 8 of 11
user979797
Established Contributor

Re: Barclays American Airlines Aviator approved $4000 SL 3.5 years after CH7 BK Discharge

What a terrific approval with Barclays after your discharge Congrats!!!! 

>
Message 9 of 11
Rdbeetle
Valued Contributor

Re: Barclays American Airlines Aviator approved $4000 SL 3.5 years after CH7 BK Discharge

Congrats on your Baeclays AA approval!

SchoolsFirst FCU Rewards WMC $25k
US Bank Cash+ $15k
AMEX BCP $10k
FICO 8 Scores: EX 796 I TU 806 I EQ 808
Message 10 of 11
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