Barclays Approval

[CCsAreEvil]

I doubt it is because your overall CL is over $3k - may be the opposite. When I applied I had 4 cards with a total CL of $11,500 - utilization less than 10%. Do you have any other credit lines showing? I also had an auto loan and education loan.

I do have an auto loan (about $10k) which actually boosted my score about 10 points a few months ago. I did not include them in my BK. They will be sending a letter saying the reasons why which I have not received yet.

[soccerguy]

For the record, I know people usually just post on positive news (when they are approved). My app was denied. I am 2.5 years post discharge. My TU score is around 690 (CK FAKO). My utilization is around 20% (from last reports to the CRAs). I have 3 CCs with an overall CL over $3k. They may have denied me possibly because I already have a high enough CL overall? I would gladly close a couple of the other cards.. for the main reason to rid of my annual fee cards. I'm trying to replace those cards.

Also, I am on the DNC list so I did not receive a pre-approval letter. I applied online.

Good luck!

did u include barclay in your bk?

[msm859]

For the record, I know people usually just post on positive news (when they are approved). My app was denied. I am 2.5 years post discharge. My TU score is around 690 (CK FAKO). My utilization is around 20% (from last reports to the CRAs). I have 3 CCs with an overall CL over $3k. They may have denied me possibly because I already have a high enough CL overall? I would gladly close a couple of the other cards.. for the main reason to rid of my annual fee cards. I'm trying to replace those cards.

Also, I am on the DNC list so I did not receive a pre-approval letter. I applied online.

Good luck!

I doubt it is because your overall CL is over $3k - may be the opposite. When I applied I had 4 cards with a total CL of $11,500 - utilization less than 10%. Do you have any other credit lines showing? I also had an auto loan and education loan.

[CCsAreEvil]

For the record, I know people usually just post on positive news (when they are approved). My app was denied. I am 2.5 years post discharge. My TU score is around 690 (CK FAKO). My utilization is around 20% (from last reports to the CRAs). I have 3 CCs with an overall CL over $3k. They may have denied me possibly because I already have a high enough CL overall? I would gladly close a couple of the other cards.. for the main reason to rid of my annual fee cards. I'm trying to replace those cards.

Also, I am on the DNC list so I did not receive a pre-approval letter. I applied online.

Good luck!

[Floridagail]

Yes I did, I also checked score TU went down 3 points for the inquiry, ( it is my only inquiry now) I really hate the score monitoring but I plan to try to buy in 2013, when BOA finally forclose on the house.(house is only in my hubby name).

[cory1848]

WOW, I accepted the offer yesterday at 11am , received the card at 930am fed express this morning, that was fast. My income is 39k a year on my own, they only approved me for 1300. No annual fee. I plan to use it to buy gas and not pay any interest. I will see if it helps my score next month. I want to get rid of Cap One eventually as they will not waive the AF.

Congrats! Did you pay for rush service? Mine took 5 days but I have it now. Gas and groceries for the points. I was going to get rid of my Cap1 but they upgraded my card to a rewards with no annual fee so I will keep it.

[Floridagail]

WOW, I accepted the offer yesterday at 11am , received the card at 930am fed express this morning, that was fast. My income is 39k a year on my own, they only approved me for 1300. No annual fee. I plan to use it to buy gas and not pay any interest. I will see if it helps my score next month. I want to get rid of Cap One eventually as they will not waive the AF.

[JohnnyQ1980]

I've read nothing but bad reviews about that card. I too received the pre-approved offer in the mail. I want to try to re-establish credit but not if it means getting a fly-by-night card. Do you think it's just "squeaky wheels" talking or does anyone here have a truly bad time with this company?

[ValleYum]

According to Credit Karma my score came up 13 points. Moved me from the Fair to Good category. I guess its not all bad.

That's great! Congrats!

[cory1848]

According to Credit Karma my score came up 13 points. Moved me from the Fair to Good category. I guess its not all bad.

[cory1848]

Cory, what Barclays card did you receive and how did you apply? Over the phone or online?
Was it the rewards card:
https://www.barclaycardus.com/apply/...rerid=IMRPPCNB

It was the rewards card. I got a notice in the mail saying I was pre approved blah blah blah... I applied online.

[Epic]

Cory, what Barclays card did you receive and how did you apply? Over the phone or online?
Was it the rewards card:

https://www.barclaycardus.com/apply/Landing.action?campaignId=1583&cellNumber=8&referrerid=IMRPPCNB

[ValleYum]

Apply FloridaGail - I bet you will be accepted. I gained a net 12 points on my scores due to the higher utilization.

I did use the 6 months interest free and carried a balance. My score went up a few more points by doing that, Cory. Hubs and I finally broke the 700 barrier recently! Yay!!

[cory1848]

Cory, I also got the Barclay offer in mail yesterday. I am afraid to accept, My score is 699 Tu, I hate to get inquiry if they deny me. I have no inquiries and trying to get my score to 720. They did say in the letter this is opportunity to rebuild your credit. So I am still deciding. I do not want to use any ccs, just build credit to buy a house in my name.

My score is a lot lower than that. That is the main reason I am looking for another card so I can get more trade lines to hopefully boost my score a bit. I think inquiries ding your score 2 points for 12 months if I remember right. The question is, would another trade line with a high credit line negate that?

I like the offer but hate the APR so I am still not sure how much I will use this card. The zero percent for 6 months is tempting but not even sure if I will use that since I wont be carrying a balance.

[Floridagail]

Cory, I also got the Barclay offer in mail yesterday. I am afraid to accept, My score is 699 Tu, I hate to get inquiry if they deny me. I have no inquiries and trying to get my score to 720. They did say in the letter this is opportunity to rebuild your credit. So I am still deciding. I do not want to use any ccs, just build credit to buy a house in my name.