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Barclays BL and the GAP card

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Jeffster1
Valued Contributor

Barclays BL and the GAP card

I IIB Barclays in 2017, and got my DC in 2021. Obviously, I landed on the infamous Barclays BL.

I'll admit that I have an aversion to non-Amex, non-Visa or non-MC store cards. Tonight I did my annual Barclays BL test and was approved for the GAP store card. I'm kind of kicking myself for testing the waters again, but I can't cry over it. 

However, this begs the question...Am I off the Barclays BL? Or maybe Barclays store cards are not subject to the BL? 

I'll probably close the store card and eat the inquiry but it is interesting that I was approved. 

0% utilization
FICO 8 EX 839 EQ 848 TU 850
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 30K I American Express Delta Skymiles 13.9K I American Express Schwab Investor Card 5K I Bank of America Customized Cash Rewards Visa 30K | Kinecta MyPerks Rewards MC 35K | Wells Fargo BILT World Elite MC 30K I BMO Harris Cash Back MasterCard 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 52K I NFCU Amex 28K I Citi Best Buy Visa 15K I Macy’s Amex 25K I Bread Financial American Express 18K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 13.3K I Citi Dillard’s Visa 5K I JCPenney Mastercard 10K I Synchrony Premier Mastercard 10K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 15K I MyWalgreens Mastercard 10K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K I Gemini Bitcoin Mastercard 15K I TMobile Capital One Visa 20K
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5 REPLIES 5
cashorcharge
Community Leader
Super Contributor

Re: Barclays BL and the GAP card

So... Congratulations on your Approval?👏🏼🍾🥂

Message 2 of 6
CreditCuriosity
Moderator Emeritus

Re: Barclays BL and the GAP card

Guess store cards have different UW and major would be a different story as Barclays certainly isn't forgiving.   Might have agreement for store card with GAP that they got to be loser on approval or something of the lines but could be wrong.

Message 3 of 6
Jeffster1
Valued Contributor

Re: Barclays BL and the GAP card

@cashorcharge @CreditCuriosity  I'm going to chalk this up as my first big mistake since my DC in 2021. My rebuilding was painless and quick. I guess I was due. 🤣

0% utilization
FICO 8 EX 839 EQ 848 TU 850
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 30K I American Express Delta Skymiles 13.9K I American Express Schwab Investor Card 5K I Bank of America Customized Cash Rewards Visa 30K | Kinecta MyPerks Rewards MC 35K | Wells Fargo BILT World Elite MC 30K I BMO Harris Cash Back MasterCard 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 52K I NFCU Amex 28K I Citi Best Buy Visa 15K I Macy’s Amex 25K I Bread Financial American Express 18K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 13.3K I Citi Dillard’s Visa 5K I JCPenney Mastercard 10K I Synchrony Premier Mastercard 10K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 15K I MyWalgreens Mastercard 10K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K I Gemini Bitcoin Mastercard 15K I TMobile Capital One Visa 20K
Message 4 of 6
Rdbeetle
Valued Contributor

Re: Barclays BL and the GAP card

Congrats on your approval, nonetheless.

SchoolsFirst FCU Rewards WMC $25k
US Bank Cash+ $15k
AMEX BCP $10k
Walmart CashRewards WMC $5k
FICO 8 Scores: EX 796 I TU 800 I EQ 803
Message 5 of 6
MyDataMyChoice
Valued Contributor

Re: Barclays BL and the GAP card

Keep it open 

let it age 6 months and ask for CLI


All Negatives History Removed as of October 2025 - Only BK CH7 Showing as Public Record

                       
Lines of Credit:   
Personal Loan:  

Total Reported Revolving CL: $162,450 + 26K PLOC = $188,450

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