Approved for a Barclays Rewards Card

Hi So i received a pre approval for the Barclays rewards card and surprised i was approved for 1500.00 is there anything i should know about Barclay's? I heard once youre in good you are in a good position. They offer the apple barclays visa card which i love Apple. is that a good sign that my rebuilding is improving because before they wouldnt give me the time of day.

sparklerd34 wrote:
Hi So i received a pre approval for the Barclays rewards card and surprised i was approved for 1500.00 is there anything i should know about Barclay's? I heard once youre in good you are in a good position. They offer the apple barclays visa card which i love Apple. is that a good sign that my rebuilding is improving because before they wouldnt give me the time of day.Congrats on the approval. If you take care of that card you'll be good with Barclays. I had to recon to get my first card with them, then 6 months later I was able to get a 2nd card with instant approval.

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I have been pre-approved for a Barclaycard Rewards Mastercard, Can i buy an Imac with the 18 Month Financing with this card?

So i have been Pre-approved for a Barclaycard Rewards mastercard, if i sign up for this will i be able to buy an imac with the 18 moth financing option?

I don't see why not.
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So a couple of weeks ago I applied for a Mejier card, mostly because my local Mejier was running a promotion to get $20 off your bill if you apply. I received the standard your application needs further review and 7-10 letter. Received the letter yesterday and it said that I need to call and verify some information. I called and they did 3 security questions and said congratulations you were approved with a $500 credit limit. YAY!!! I've been trying to shopping cart trick for months and cannot get a popup offer to save my life so to be approved for this card is a surprise to me!

Woo congratulations! I always love it when you think its a decline but they just want to ask you a few questions (Ive had denials due to supposed fraud when I applied for too many cards too fast, just needed verification!)

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I have two CapitalOne Cards that were open in early 2007 after my bankruptcy in August 2006. They were the first company to give me credit cards following the bankruptcy, the first one received a $3,500 limit and the second one received a $3,000 limit.
In 2013/2014, they upgraded me to their Quicksilver card so I could get cash back on my purchases. As my finances have drastically changes since then, I've attempted to request multiple limit increases, and I've kept getting denied because they say I don't use enough of my credit limit to justify a limit increases.
Then in December I just decided to apply for a CapitalOne Venture card for their 40,000 bonus miles, and was given a $50,000 credit limit.
Can someone explain how/why they won't increase my limit on a card with $3k limit, but will give me a new card with a $50,000 limit? I would rather have the limit on one of these older cards that's I've now had for 8 years.

anm688 wrote:
I have two CapitalOne Cards that were open in early 2007 after my bankruptcy in August 2006. They were the first company to give me credit cards following the bankruptcy, the first one received a $3,500 limit and the second one received a $3,000 limit.
In 2013/2014, they upgraded me to their Quicksilver card so I could get cash back on my purchases. As my finances have drastically changes since then, I've attempted to request multiple limit increases, and I've kept getting denied because they say I don't use enough of my credit limit to justify a limit increases.
Then in December I just decided to apply for a CapitalOne Venture card for their 40,000 bonus miles, and was given a $50,000 credit limit.
Can someone explain how/why they won't increase my limit on a card with $3k limit, but will give me a new card with a $50,000 limit?@anm688, This -$50,000 credit limit with CAP 1. Am I reading that right or is it a typo

Closed my Barclay Rewards Card......

Vulcan1600 wrote:
Imperfectfuture wrote:
Vulcan1600 wrote:
baller4life wrote:
I did the same thing. It's all good. Were you the one who recommended to me the other day to consider doing what I finally did this afternoon? I know you like your SM a lot, so I hope it works out for me. The CL is going to be nice with it, considering when I got it on 7/2, the initial CL was $2,500 I think several of us did. . Good job.Imperfect - yes, I remember now lol...wait until you're 55 LOL, I am. 56 in October.

Irish80 wrote:
Vulcan1600 wrote:
Imperfectfuture wrote:
Vulcan1600 wrote:
Imperfectfuture wrote:
Vulcan1600 wrote:
Imperfectfuture wrote:
Vulcan1600 wrote:
baller4life wrote:
I did the same thing. It's all good. Were you the one who recommended to me the other day to consider doing what I finally did this afternoon? I know you like your SM a lot, so I hope it works out for me. The CL is going to be nice with it, considering when I got it on 7/2, the initial CL was $2,500 I think several of us did. . Good job.Imperfect - yes, I remember now lol...wait until you're 55 LOL, I am. 56 in October.I'll be 55 on 10/17!Day before.So you and my sister are the same day, but she was born in 58. Libra power You made the right decision but dang you two are old :-)Hardly, just kids. I turned 56 last birthday (and in fact I just had to check my age from my DOB!) But to be OT (you know old minds wander), the Rewards isn't really subsumed by SM, more things like the DC or Fid Amex. It is a 2% somewhere card, and thus much less useful than a 2% anywhere. So while I agree the SM is likely more useful, it isn't better everywhere, such as utilities.

Approved for Wells Fargo secured card

Yayy second secured card approval, wf and discover...

Thanks for replying this is a great community My utilization is 0 currently.my TU 502 EQ550 EX 556 I have a thread called.... My credit report what would you do It has my full report lol

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I am finally in with AMEX!! This is a real big deal for me. I have never apped with them and now that my scores are better I decided to take the leap! I got the 75,000 points if I spend $2,000 in the first month. I did recieve a better offer for the platinum but decided I didn't want to pay that hefty fee every year. I would love to app for one of their personal cards but not sure I will get approved. Thanks to everyone on this forum for all your help! Sidenote- we also closed on our Business Revolving Line of Credit today! I would say this is a good day! I never thought we would see this day

red259 wrote:
bclay wrote:
I am finally in with AMEX!! This is a real big deal for me. I have never apped with them and now that my scores are better I decided to take the leap! I got the 75,000 points if I spend $2,000 in the first month. I did recieve a better offer for the platinum but decided I didn't want to pay that hefty fee every year. I would love to app for one of their personal cards but not sure I will get approved. Thanks to everyone on this forum for all your help! Sidenote- we also closed on our Business Revolving Line of Credit today! I would say this is a good day! I never thought we would see this dayWhat was the plat offer and where did you get it?About 3 to 4 times a Month, I get 110K and 100K offers via USPS.

Applied online for Amazon Visa Rewards Card

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schsa210 wrote:
Applied online, received the message, "Unfortunately, an immediate decision about your application cannot be provided as it requires further review. You will be notifed in writing about the status of your application within 30 days." I called the recon line, rep said system is updating and she is unable to view my application, could be updating for a few hours and to try back either tonight or tomorrow. Anyone feedback on what the 30 message usually means? I do plan on calling them back in a few hours to check app status. Hopefully they take into account that I have a decent Amazon Store Card account if that even matters. Maybe its verification purposes, gl

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APS wrote:
Hello,I was going through my account and saw a recommended offer for the Travel Rewards Card - 20,000 points sign up bonus if $500 spent in 90 days, 0% APR for 12 months and 16.99% APR later. I got tempted, applied and got instantly approved for $3000. I am still not sure if I will be using this card often. Thanks,APSBig congrats on that card! I have the red one and a little crappy limit regular BofA card that I would like to eventually turn into the Travel rewards card.

Barclays Rewards APR Reduction! Woohoo

Not a big deal to most, but I got my Barclays Rewards card APR reduced from an ugly 24.99% to 20.99%. Credit analyst advised that is the 'max' at one time they can reduce the APR, which is by 4%. I've had my card since March 2015, approved after recon for $1500 with a TU score of 613. I've ran through a few thousand through the card and carry an $800 balance (at the time of APR reduction). My score today when i called was @ 654 TU (up 41 points since approval). No new INQ in the last 3 months. 3 collections falling off 2/2016 (possibly September/October with an EE). Just thought I'd share my experience with everyone. They did advise a SP CLI was not an option at the time and to try back again in a few months.

turkey310 wrote:
ghgirll123 wrote:
Congrats! I spoke to an analyst yesterday and she indicated that they like to see PIF at least 4 or 5 times a year and good usage in order to get a CLI.Thank you! I usually PIF but had some unexpected expenses last few months and helping my mom out who isn't doing so well, I couldn't PIF as of the last few months. But I have been making $200-400 payments, nonetheless. Never the minimum...I will give it some more time, I bet by October after a few EE from my TU report, my chances will be a lot better since my scores will probably be another +20-30 ptsI make similar payments but going forward I have a revised plan that inlcudes spending less in order to make this a PIF card. I use this card the most because the rewards are good compared to my other cards that I have right now.

Approved for Chase Freedom!

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Congrats

OOPS! BOA recons?! Update: post #40! Update#2: Approved for BBR!!!!

jaylau17 wrote:
So I bit the bullet and applied for the Better Balance Rewards and got an insta-deny. I have a 676 EX FICO, which is what BOA pulled. I have 12 EX inquiries (luckily, only two of them from the last 6 months). Anyway, I called BOA's number for a credit analyst to recon and the analyst would not budge, even after I asked for a $500 limit just to get my foot in the door. She cited two reasons:1) Too short of credit history (AAOA about a year and a half) 2) 6 late student loan payments on two student loans (12 lates in total) from 2013 (this is what I expect is the real reason for the denial). I then asked if there was a secured version of the BBR card (which she did not directly answer, but I suspect the answer is no), but she did say if I wanted a generic secured card, I would have to apply for one. I told her no thank you, as my EX FICO score -- while not phenomenal -- is at least high enough that I do not have to settle for a secured card without rewards. Strangely, at this point, she said that they don't use FICO in their determinations -- that they just look at the credit file as a whole. Anyway, I have a few questions that I hope to uncover some answers to:1) What is the minimum limit for approval on the BBR? Or at least the minimum you've heard of?2) Is it worth a second recon? Has anyone who has personal experience with BOA recons ever been denied on the first recon but approved on the second? 3) Do you think I might have a chance at approval if I request they pull TU as well? My TU is 30 points higher -- 706. Do you REALLY need the card? or you just want it...just curious You seem to have good cards already.

jaylau17 wrote:
So I bit the bullet and applied for the Better Balance Rewards and got an insta-deny. I have a 676 EX FICO, which is what BOA pulled. I have 12 EX inquiries (luckily, only two of them from the last 6 months). Anyway, I called BOA's number for a credit analyst to recon and the analyst would not budge, even after I asked for a $500 limit just to get my foot in the door. She cited two reasons:1) Too short of credit history (AAOA about a year and a half) 2) 6 late student loan payments on two student loans (12 lates in total) from 2013 (this is what I expect is the real reason for the denial). I then asked if there was a secured version of the BBR card (which she did not directly answer, but I suspect the answer is no), but she did say if I wanted a generic secured card, I would have to apply for one. I told her no thank you, as my EX FICO score -- while not phenomenal -- is at least high enough that I do not have to settle for a secured card without rewards. Strangely, at this point, she said that they don't use FICO in their determinations -- that they just look at the credit file as a whole. Anyway, I have a few questions that I hope to uncover some answers to:1) What is the minimum limit for approval on the BBR? Or at least the minimum you've heard of?2) Is it worth a second recon? Has anyone who has personal experience with BOA recons ever been denied on the first recon but approved on the second? 3) Do you think I might have a chance at approval if I request they pull TU as well? My TU is 30 points higher -- 706. You could always call back and ask for a Senior Analyst. I know of a fella who called these guys about 100 times over a course of 5 days and eventually got approved for a Travel Rewards. Don't give up so easy on this card, I have 4 of them and love the $480/yr I get from them for approximately $1,000 of spend.

Profile for Barclays Rewards application

I am thinking of applying for Barclays rewards cc in the near future. Could anyone advise what profile is needed to get approved for this card? I have two credit lines (Discover iT & Cap 1 secured), 4 inquiries, AAOA 4 months, no Fico score yet. Any advice greatly appreciated.

Barclay Rewards was my first CC I got back in Jan 2014. Prior to that I only had student loans on my report. I was approved for $1500 after they called to ask for my past address. Four months later I got the Sallie Mae MasterCard at $4700. Obviously YMMV but giving Barclays a shot as a first CC is possible in my opinion, if you have student/auto loans on your credit report. Edit: I wanted to point out that it wouldn't be a good idea in OP's case, without having a FICO and with such new accounts, but that in general terms it is possible.

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ImaginaryFriend wrote:
Congrats. Now, go sign up for an EBates account. You don't actually need the EBates credit card to get a "big fat cash back check". Always login to EBates and then click on the HSN, Overstock, Lowes icons to begin your shopping. I get cash back from EBates and rewards points and free shipping from Overstock at the same time. That's how I shop.Thanks, I signed up!!!

Rewards card account for FIOS service -can one check transactions and balance online?

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Thanks
w.

Your issue has been escalated to a Verizon agent. Before the agent can begin assisting you, they will need to collect further information from you.
Please go to your profile page for the forum, and look in the middle, right at the top where you will find an area titled "My Support Cases". You can reach your profile page by clicking on your name beside your post, or at the top left of this page underneath the title of the board.
Under “My Support Cases” you will find a link to the private board where you and the agent may exchange information. This should be checked on a frequent basis as the agent may be waiting for information from you before they can proceed with any actions.
To ensure you know when they have responded to you, at the top of your support case there is a drop down menu for support case options. Open that and choose "subscribe".
Please keep all correspondence regarding your issue in the private support portal.

Approved for a Barclays Rewards Card

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