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Barclay credit card. Score needed?

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Emeraldautomotive
New Contributor

Barclay credit card. Score needed?

Please help me. I want to get a barclays card and I'm looking for there' minimum score for approval as well  as how strict they are with inq, utilization, new credit, ect.

Life is about decisions good ones and bad ones, we will prosper when we make more good ones than bad ones.
Message 1 of 14
13 REPLIES 13
Superman85
Regular Contributor

Re: Barclay credit card. Score needed?

I got approved for $500 with about a 650 credit score, (1) CO, (2) collections, and (2) late payments.
Message 2 of 14
juggalo9er
Valued Contributor

Re: Barclay credit card. Score needed?

according to fico 08, i had a 626......fico 04 has me at a 701....ymmv they use 08 and i have two cards through them limits and cards are below

Message 3 of 14
FlawlessShineAutoSpa
Established Contributor

Re: Barclay credit card. Score needed?

I had 2 CO PIF... 4 Collections PIF... 6 INQ... With 641 TU Score.. Barclay gave me a CLI of $500... I was first denied received the denial letter.. Called to recon... Talked to a nice lady... She asked me about my baddies.. I told her that I made bad decisions but I PIF to show responsibility... She put me on hold for about 5 minutes and came back to tell that all they can do is $500.. I said that I am very gratefull and happy to accept... Then she said that I can try in the future to ask for a increase.... ... So if your CR is in my range U should have a good chance...  I always have my balance at $0... Just to show that I can handle the $500 in a responsible manner.   

American Express Blue Cash Everyday $2000 •• Cap1 Venture One $10K
Barclaycard Rewards Mastercard $1500 •• Chase Freedom Visa $3500
Cap 1 Quicksilver Visa $5000 •• Cap 1 Quicksilver Mastecard $2000
Syncrhrony $1500 •• Citi Double Cash $1700 •• Cap1 Spark Classic $2000
Credit One Visa $500



Message 4 of 14
pizza1
Community Leader
Super Contributor

Re: Barclay credit card. Score needed?

I got instant online approval after doing the preapproval thing on their website. They pulled TU for me and It was instant $1500 CL and my Fico TU score at time of approval was 635 with a BK that was only 6 months old, tons of new accounts and inquiries, an major derogs. Ymmv thing.... Just depends on the credit file and what else is in there I suppose. I was happy Smiley Happy
Message 5 of 14
hizzaah
Frequent Contributor

Re: Barclay credit card. Score needed?

I tried a while back for a Sallie Mae and they denied me, even after recon. Had a 679 at the time, 1 neg (3.5y old collection for $52), 1 TU inq, and a 2 month old discover. They said they wanted to see more history. When I asked how much the lady told me a year or more.. I'm on the verge of trying again. I just don't want to burn another HP without a TL to show for it
QuickSilver - $20,000 | Amex ED $12,000 | Commence $5,000 | IT $2,200 | Freedom $2,000
Message 6 of 14
toi34
Established Contributor

Re: Barclay credit card. Score needed?

They gave me an Apple and a Rewards card 2 months apart earlier this year back when Fico 08 was still being used: my score was 656 and I had 1 unpaid CO and 2 unpaid CA's on TU...AND, I had less than a year of rebuilding credit...in fact, I STILL have less than a year of building credit and look at my siggy below. Both were instant approvals, no recon needed.

I played the 1-9% game, then applied.

Good Luck!  Smiley Wink

Message 7 of 14
FlawlessShineAutoSpa
Established Contributor

Re: Barclay credit card. Score needed?

OP can u give us a update on what decision you made about applying for the Barclaycard

American Express Blue Cash Everyday $2000 •• Cap1 Venture One $10K
Barclaycard Rewards Mastercard $1500 •• Chase Freedom Visa $3500
Cap 1 Quicksilver Visa $5000 •• Cap 1 Quicksilver Mastecard $2000
Syncrhrony $1500 •• Citi Double Cash $1700 •• Cap1 Spark Classic $2000
Credit One Visa $500



Message 8 of 14
Tony275
Valued Contributor

Re: Barclay credit card. Score needed?

Went for the Barclay Apple Financing Card, instant approval for $1700 with a TU around 640, 4 year history, 1 paid collection 2 years old for $140, a few inquiries and recent accounts (2 new accounts in 6 months when approved).

Wish I would have known what I do now about credit. I would've waited, built my credit score up and gone for SM instead.
Message 9 of 14
Jaylima91
Established Contributor

Re: Barclay credit card. Score needed?

I went for the barclayscard arrival+ with 10+ inq on TU and less than a year of credit history. I was denied, then i called recon and was asked a few questions and once more denied. I didn't want a HP to go to waste so a couple days later called again. A nice young lady helped me. Asked me why I wanted the card and a few other questions and approved with a $5k CL. Barclays recon have a heart occassionally.

Message 10 of 14
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