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