Barclay Pre-Approval

EW800 · ‎05-23-2014

I just did the Barclay pre-approval process, which supposedly does not do a HP. It came back with a screen saying that I might be interested in the Ring, Rewards and Arrival Cards. After doing some research, it appears that there is a difference in the qualifications for these three cards. I was just wondering if someone applies for one of these three and come back declined, will the system perhaps tell us if we are approved for another of the cards or does it require formally applying for each card seperately, therefore multiple HP?

Thanks!

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Jan 2026: EX8: 850; EQ8: 850; TU8: 850 -- Middle Mortgage Score: 827
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .

Membersince2013 · ‎05-24-2014

The system will not "tell" you if you're approved for other cards after being declined, but you can app, if declined, call for recon. Of all those cards, i believe the hardest to get is the Ring Mastercard. Unless you're looking at the Arrival cards.. Basically, you'd have to app for each card seperately. Barclays pulls TU, and if im not mistaken, you can call and ask them to use the same CR for another app instead of pulling another, which they do tend to do. In my case, they pulled all three at first and then only TU when i applied for the Ring Mastercard.

EW800 · ‎05-24-2014

Thank you very much for the info!

Given that I am in recovery mode, I was very surprised that I was shown Ring as a possibility. I know that the pre-approval options in no way guaratee an approval, however can any comment on whether those that are shown as an option are usually approved? I have made good progress in recovery, although still not looking that pretty with a foreclosure and a credit card settlement with Chase about two years ago. I am surprised that I was even shown the Ring product as a possibility.

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Jan 2026: EX8: 850; EQ8: 850; TU8: 850 -- Middle Mortgage Score: 827
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .

Membersince2013 · ‎05-24-2014

Afaik, there's no correlation between pre approvals and actually approval. I think it's all marketing, unless if it actually says that you will be approved for sure. Also you should post you scores, aaoa, baddies so the people here can do their jobs. I do know Barclaycardus is strict about certain things.

USF813 · ‎05-24-2014

I don't know about the cards you mentioned, but I have seen evidence that Barclays is heavily marketing the US Airways card. I didn't have luck on the pre-approval site either. When I apped for the US card I was instantly approved! I do have a mortgage reporting and had two credit cards just over one year old.