Barclays question

ecxpa · ‎09-16-2014

Thinking of aping for the Arrival card......8 inquiries on Tu with FICO 738.......last app was 6/17/14...... I have the Barclays rewards card with 6k limit......what are my chances for approval?

Imperfectfuture · ‎09-16-2014

I do a search on whogavemecredit.com. That and the credit database pulls (google), tells me the chances.

Like to research higher tier cards. You'll find some reviews on credit karma also.

Signature needs updating

Anonymous · ‎09-16-2014

Barclay's website has a pre-approval section for credit cards. So just fill it out & see what it says. I just did it earlier 30 mins ago. But the problem is, I can't tell if I'm truly Pre-Approved or if I'm not...because sometimes they are not genuine Pre-Approvals & just ad offers & you can get declined.

B335is · ‎09-16-2014

Whats your aaoa and util? Anything neg on cr?

taxi818 · ‎09-16-2014

@Anonymous wrote:
Barclay's website has a pre-approval section for credit cards. So just fill it out & see what it says. I just did it earlier 30 mins ago. But the problem is, I can't tell if I'm truly Pre-Approved or if I'm not...because sometimes they are not genuine Pre-Approvals & just ad offers & you can get declined.

Barclays pre qual site is almost useless. If it says congrats. Then good chance anything else's is just 50/50 chance. Roll of dice.

ecxpa · ‎09-16-2014

@B335is wrote:
Whats your aaoa and util? Anything neg on cr?

Aaoa 3 years......neg are a 30 d late over 3 yrs old...util 7%...... Lots of new credit over past year though, that's why I'm hesitant.

Scupra · ‎09-16-2014

How long have you had your current Barclay card for?

B335is · ‎09-16-2014

How many inq in the last 6 months? Decent income?

I think you have a pretty good shot at it. I think they tend to frown upon lates within the last 2 years more so than if they're older. Their computers are more forgiving about new accts than the analysts.

ecxpa · ‎09-16-2014

Had my current card a little over a year........income 150k

B335is · ‎09-16-2014

When I app'd my income was half of yours, twice as many new accts, Fico was 775 and no negs. Approved the following day for $10k. It went to pending and I chose to wait due to new accts. I did have an auto loan that was about 2 years matured and about 3% total util. Hopefully it helps you decide.