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ohhhh yeahhhh!
good luck!!
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%
They are just sooooo quirky!! Sorry to hear that jetli.... BTW Bruce Lee is THE ONE!!!
@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.
@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
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.
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).