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Barclays Rewards MC = Big Fat Denial + 2 Recons

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pizza1
Community Leader
Super Contributor

Re: Barclays Rewards MC = Big Fat Denial + 2 Recons

Barclays is a fickle bunch indeed. I applied 3 months after my BK7, denied because they wanted at least 6 months showing afterwards. 3 months later did the preapproval site, and had a congrats for the rewards cards, instant $1500 approval, so the 6 months at least stood true for me, and TU was 635 at the time. They are also super sensitive to new accounts and Inquiries the first 6 months after getting them, be careful. I think that's why I didn't get my famous. 6 mo cli was because of that. I knew the risks and had like 3 new accounts and 10 inquires after them, I'm lucky they didn't close itSmiley Happy
Message 11 of 33
Anonymous
Not applicable

Re: Barclays Rewards MC = Big Fat Denial + 2 Recons

Thanks for your input! Maybe I'll just mark that card off of my list! Does anyone know the specifics of the Apple card? Scores, AAoA, INQ, etc?
Message 12 of 33
TRC_WA
Senior Contributor

Re: Barclays Rewards MC = Big Fat Denial + 2 Recons


@Anonymous wrote:
Thanks for your input! Maybe I'll just mark that card off of my list! Does anyone know the specifics of the Apple card? Scores, AAoA, INQ, etc?

I got mine a year ago with scores 640's ATB... About 4 months after 13 discharge.

 

$1200 limit auto increased to $2200 at statement 6... Statement 12 cuts next week.  Looking for another...

FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24
Message 13 of 33
pizza1
Community Leader
Super Contributor

Re: Barclays Rewards MC = Big Fat Denial + 2 Recons

You don't have to mark not off your list, just know that the first 6 months they watch you closely and like to see heavy usage. Try again for them in 3-6 minths(90 days between apps). They are a major prime lender. Look at " my journeys" thread on Barclays. They are a good card to have
Message 14 of 33
Anonymous
Not applicable

Re: Barclays Rewards MC = Big Fat Denial + 2 Recons

Thanks everyone! I'm not sure about the Apple card. I wouldn't mind to be in with Barclay's but now I feel sick thinking I wasted another HP with them. I'm not sure about apping with them again for a different product.
Message 15 of 33
1GaDawg85
Valued Contributor

Re: Barclays Rewards MC = Big Fat Denial + 2 Recons

I'd call them and ask for a recon for the Apple Visa


FICO 5 ,4, 2 - 10/2023                            FICO 8 - 10/2023                                   FICO 9 - 10/2023                                   FICO 10 - 10/2023
     
Message 16 of 33
Anonymous
Not applicable

Re: Barclays Rewards MC = Big Fat Denial + 2 Recons

Can they use the same app for the Apple that I submitted for the rewards, providing they pulled a new one like they said.
Message 17 of 33
1GaDawg85
Valued Contributor

Re: Barclays Rewards MC = Big Fat Denial + 2 Recons

They should


FICO 5 ,4, 2 - 10/2023                            FICO 8 - 10/2023                                   FICO 9 - 10/2023                                   FICO 10 - 10/2023
     
Message 18 of 33
Anonymous
Not applicable

Re: Barclays Rewards MC = Big Fat Denial + 2 Recons

Okay! I will give that a shot this afternoon! I don't really have a need for it but if I can get in with them and make use of my hp, I guess it's a win win! Thank you
Message 19 of 33
1GaDawg85
Valued Contributor

Re: Barclays Rewards MC = Big Fat Denial + 2 Recons

Maximize every HP!


FICO 5 ,4, 2 - 10/2023                            FICO 8 - 10/2023                                   FICO 9 - 10/2023                                   FICO 10 - 10/2023
     
Message 20 of 33
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