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Barclays..Hit or Miss!!

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elim
Senior Contributor

Re: Barclays..Hit or Miss!!

ohhhh yeahhhh!

 

good luck!!

Message 31 of 44
Anonymous
Not applicable

Re: Barclays..Hit or Miss!!

Haha I called and still denial.

 

I've "only" had the cards for 5 months but their all new, my oldest card is 2.5 years old, anyways I ran about 9000% through them and paid my utilization WAY down to 22%

Message 32 of 44
baller4life
Super Contributor

Re: Barclays..Hit or Miss!!

They are just sooooo quirky!! Sorry to hear that jetli.... BTW Bruce Lee is THE ONE!!! Smiley Very Happy

 

Message 33 of 44
Anonymous
Not applicable

Re: Barclays..Hit or Miss!!


@baller4life wrote:
Thanks guys. I do believe Apple,NFL and Rewards MC are pretty much all on the same level of leniency.

Not really thoug...back in october I apped for the apple and got denied...apped for the barclay rewards and got approved...apped for the NFL and got denied. 

Message 34 of 44
baller4life
Super Contributor

Re: Barclays..Hit or Miss!!

Guess it just varies. I've seen those approved for Apple or NFL but not RMC. My bff got $3k Apple with a 600 TU and I had high 600s and only got $1k on RMC. WTH???
Message 35 of 44
sandman2435
Established Contributor

Re: Barclays..Hit or Miss!!


@dodgerslv wrote:
It's really a YMMV case and the analyst you get...I got my first Barclays card May 2013 and have had 6 Barclays approvals till this day and only 1 denial and that was for a second US Air card (no credit pull)...they seem to like me overall because I have 45k in overall credit with them spread among 4 cards...my second card wasn't until December 2013 though.

I got my first Barclays card in 2010.. since than 7 approvals and $75K in overall credit with 4 cards(I've consoldated from the 7 cards to 4) They like high useage and I seem to fit their credit profile

Message 36 of 44
jbsea
Established Contributor

Re: Barclays..Hit or Miss!!

thank you for this.... I want this card really bad.  I think that I will have to wait the who year but it gives me something to work for.

Amex Gold / Amex Platinum / Amex Marriott Brilliant/ Amex BCP/ Capital One Venture (AU) / Capital One Savor One/ Discover / NFCU Cash Rewards / BOA Unlimited Cash Rewards / NFCU GO Rewards (AU) / Amex EDP / NFCU Flagship Rewards / Chase Freedom (AU) / Capital One QuickSilver / Citi Costco (AU) / Amex Delta
Message 37 of 44
happypill
Valued Contributor

Re: Barclays..Hit or Miss!!

This is very good info.  Wish we could get such a summary for every issuer.  I'll add my own data point:

 

I app'd for the Sallie mae in January, my TU was around 620.  I had three cards from Capital One at the time, 1 very old business account that had been CLI to $1500 recently, a $300 secured that I had for about a year (since closed), and a QS1 with $3k limit I had since August '14 (since converted to regular QS).  This was before I had learned much from myFICO, so I had about 70% util on my QS1, 50% on my business and $0 on my secured.

 

I app'd and was denied, called recon (first thing I learned from myFICO) and got a very nice analyst.  My scores were low because I graduated business school right at the time of the financial crisis; I saw set to join Lehman Brothers when they went into bankruptcy and the analyst and I had a laugh about that (Barclays bought Lehman).  She asked about my util on the QS1 and I explained it was in a 0% promo period and I planned to pay it off shortly.  All my other accounts were PIF each month.

 

I was approved for $1k, which is probably the lowest possible limit, and it is a WMC.  Pretty amazing based on what I know now.  With the util I had, I'm still shocked at what the recon analyst was able to do.  Currently, I make sure to pay down my balances in advance of statement cut to show much lower util (something I didn't know to do before myFICO learnings).

Message 38 of 44
baller4life
Super Contributor

Re: Barclays..Hit or Miss!!

Great info happypill. Thx! You were fortunate to get a nice analyst. They are much better to deal with opposed to the condescending ones.
Message 39 of 44
sultan33g
Contributor

Re: Barclays..Hit or Miss!!

I just reconned a Us airways card. I got the rewards card last month. I was approved. It can be done.
01/14/2015 Scores: EQ: 646 TU:667 EX: 663
03/23/15 Scores: EQ: 716 TU: 778 EX: 721

Goal Scores: 750


Message 40 of 44
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