Sallie Mae and Barclay site

Does anyone know why the Sallie Mae is the only Barclaycard not available to app for directly on Barclay's main website? This is spooking me a bit and making me think approval is a bit more of a challenge.

humuhumunukunukuapuaa wrote:
pfarro, can you list your SL on the Sallie Mae? Thank youinstant approval was for 1000, after recon got it to 2200. she had told me 2100, but log in shows 2200 available. recon was painless, called in, explained I had just purchased a home (actually lowering my housing payment) and while 1000 was enough, I didn't want to crush myself with utilization. She commented on short history, put me on hold for 30 seconds and gave me the new number. I know I will never come close to 2200 on the card but I am also done with micro managing my score, so the larger limit helps.I would say at least for that call barclays was every bit as helpful and friendly as the fine folks as discover, no accent, perfect english,no repeating myself and I got what I was looking for.

Similar Messages

Freedom, Sallie Mae, and Fidelity Approval

Hi everyone. So I'm a 19 year old who has credit history of 1 year with just a Discover It. I was recently approved for the Chase Freedom ($2200), Sallie Mae ($500 haha), and the Fidelity Amex ($1000). I wasn't denied for any cards. I was also thinking about applying for the Amex PRG, but I decided to delay that appliation because I don't want Barclays to close my account for opening too many new accounts, and I can better utilize the rewards if I apply a bit later. Because these are 3 relatively good cards, I'd just like to share my experience so that others like me know that they can definitely get these cards with such little history. So here was my info before I applied for them:AAoA - 1 year (just the Discover It)Inquiries - I had 2 inquiries on TU. One was in June 2014 from opening the Discover account, and the other was in September 2014 for naively asking for a credit limit increase. I had 1 inquiry on EX from a BofA app in June 2014. I had no inquiries on EQ.Scores - TU FICO was 746. EX FAKO was 731. EQ FAKO was 721. Note: All of these scores probably were much lower when I actually applied because my utilization jumped from 7% to 51%. Oops haha.Utilization - 7% before 12th Discover statement cut; 51% after the 12th Discover statement cut. Basically, Discover decided to report a pending flight purchase along with my normal small balance, so while my 12th statement cut at 6% utilization, they decided to report 51% utilization.Income: $33000A bit more background: I'm a college student with two jobs at school, and I make a good amount of money at summer internships, but as you can see with my low limits, I doubt my income played that much of a factor (except with Chase's instant approval). Also, I always pay in full, so my credit history is pretty much perfect. Note: for people who are new to credit like me and are reasonably responsible, this isn't very difficult. So here's how my approvals went (they weren't super easy). I applied for the Chase Freedom first because it was the last day to get the $200 sign up bonus. I was instantly approved. Then, I applied for the Sallie Mae card, and got the 7-10 days message. I immediately called recon and convinced the guy to approve me, and he gave me a $500 starting limit. I asked him if he could bump it up to $1000, but he said he wasn't comfortable with that. I then applied for the Fidelity Amex, and again got the 7-10 days message. I called recon the next day because it was late at night. Unfortunately, the number that most people post, (866) 598-4971, isn't actually a useful number because the guy doesn't seem to enjoy his life and is very unhelpful. He just said that I wasn't approved. I then called some credit analyst number, and they said that wasn't the right number for what I was looking for but transferred me to the right number, (888) 221-6262. That is the currently working FIA recon number. However, they told me that because I was under 21, I had to go to a BOA branch and fill out some forms in person. They were entirely redundant, but those forms had a bunch stuff for guarantors to fill out. I didn't have one so I literally filled out half a page (stuff I had already put down on the online application). It took over an hour because the BOA person had no idea what I meant by the Fidelity card handled by FIA (under BOA), so I had to have her call the FIA recon number, and they figured it out together with my help. Basically, I got the impression that pretty much no one under 21 does this or at least not very much because BOA makes them jump through all these hoops. Anyway, that was on Friday, and I called again today to commence with the recon, but they said that they had already processed that info that I wrote down, and I was approved for a $1000 starting limit. Uh okay, I didn't really give them any information they didn't already have, but whatever haha. Anyway, point of the story is that with enough effort, hopefully you can get approved. Anyway, if you're demographically similar to me and want to read more, here's the thread that follows my going through the whole process.

Congrats! In my wallet: Quicksilver 5000; Venture 15,000; Barclay Apple Rewards 2000; CareCredit 3300; Bank of America Platinum Visa 2000; Bank of America Travel Rewards 3500; Bank of America Travel Rewards 3500; Amazon Store Card 5000; Discover 10,000; Barclay Ring Platinum MasterCard. 12,500. Total Credit: 61,800.
6/27-FICO: EQ - 789; TU - 781; EX - 681; GOAL: 780 across the board then 800 across the board. Inquiries: EQ: 4; TU: 6; EX 7; Chapter 13 seven years May, 2015. Reset my garden date to 6/27. Gardening until further notice.

Sallie Mae doesn't seem to want to grow with me. Anybody else have this problem?

I have had my Sallie Mae card since January. They gave me a startiing limit of $500. I have done a credit limit increase request and was offered $300. I felt insulted so I declined lol. I don't understand why they aren't offering a more reasonable increase. I am below 10% utilization on all my cards with many having a 0 balance. I have no new credit lines, no new inquiries. With the limits I have on other cards, I just don't get it. I am thinking of just closing the card rather than wasting another hard pull. If I am going to do a hard pull, I would rather it be on a new card with someone else. Any opinions or ideas?

bengalikejenga wrote:
fordguy89 wrote:
Barclays is like Chase I've read that they combine limits pretty easily. If you are low inquries try for the nfl. They gave me 5k SL when others gave 1500. I would love to open a Sallie Mae and do this but I burned a lot of inquiries.i think Fordguy is right.... you might be better off opening another Barclays card that you mind like but not really need, and combine the limits to get a good push on your Sallie Mae Credit card.... you profile seems like it could support it. I need to get my mind checked out or something. ^^^^ This kind of stuff seems to really bother me and I can't figure out why. I know one could rationalize it as playing the game....but I am sorry...there aint a person in this world that should have to open another account with the same dang bank, combine limits, strictly for a larger CL. That is ridiculous. This should not have to happen. I would give this crazy card one last hoorah. I would use it for almost everything, pay that sucker off multiple times per week, and do this for 2 months, maybe 3. Then if they wont raise you, then just use it strictly for the rewards and only use it for gas/groceries/amazon. Leave it in your glove box. I get that OP has a limit of 10k with amex and this seems small...that would be very frustrating to me too. I gotta say tho, I have NEVER been a fan of anything barclay until I discovered their ring. They cap their rewards WAY WAY WAY too low, the card is geared for students and maybe some more frugal spenders. I dunno I get better deals with gas gift cards and my other cards so I don't have a need for it. That ring tho, the ability to go get cash and deal with moving it around later, for a buck, that is crazy awesome! I would try to keep this card a little longer and change it to the ring once your limit is higher. But thats just me.

Sallie Mae has no information on my old loan - How do I fight to remove it?

So I have been pretty vigilant the last couple of years on my FICO score and paying all the loans I can and trying to dig myself out of this mess. I have written one or two goodwill letters to an old credit card that should drop off in the next year. Anyway, I decided to attempt to write a Good Will letter to Sallie Mae. These loans (about 7) were opened up between 2003-2007 and all of them "Closed" or "transfered" to other collection or "rebuilding loan companies" and finally they were held by Nelnet. I have since paid them all in full with Nelnet. Anyway, I needed to get my Loan Details from Sallie Mae since the Fico score XXXXXXXX 888 x's out all the numbers but the last couple digits. When I spoke to them, they have no history or information about any of the loans I ever had with them. They couldn't bring up my name in their system or Account details at all. The woman on the phone said that most of their federal student loans were purchased/transfered to Naviant who is now the main holder of all their past loans. I call up Naviant and they say the same thing. They have absolutely no record of me having any loans with them or any information pertaining to any account in my name. So, if Sallie Mae AND Naviant don't have any record of my loans can I somehow get them all removed from my credit report? Has this happened to anyone on here? What do you think my options are? I mean if they can't prove or show that I had any loans with them, how can it legally be kept on my credit report? Jan 2010 is the last time all these Sallie Mae loans show up on my report so they should fall off in the next 2 years but if I can get them removed now, I defintitely want to. Please let me know. Thanks folks.

All of these loans show that a "Claim filed with Government""Balance paid or being paid by insurance company And all of them show the negaive payment history for example 10 times (Dec 2009, Nov 2009, Oct 2009, Sep 2009, Aug 2009, Jul 2009, Jun 2009, May 2009, Apr 2009, Mar 2009) So each of these accounts has this past negative history in there. Like I said before they all stop reporting negative information in Jan of 2010. Thats when the loans were sent to rehibilitation program through AES and then they were transfered to Nelnet (Who I really liked, they were easy to work with)

Sallie Mae MC and AMEX BCE ACCEPTED! Also CHASE FREEDOM!

Tonight I was accepted for the AMEX BCE and Sallie Mae World Mastercard! EDIT: ALSO CHASE FREEDOM! AMEX: $3000 CLSM MC: $5000 CLCHASE FREEDOM: $2500 I still need to do some researching on the world version of the MC, but I'm excited! Hopefully can get a Chase Signature in a few months! My Discover FICO showed: 746 but last update was 6/21/15 and I had a statement date of 6/27 that reported less than 1% utilization down from about 30%. Amex gave me a $250 bonus if I spend $1000 in 3 months, and SM is $25 after 1 purchase in 3 months I believe. Reported employed student making $25k (estimated if I remain in my job) 22 years old.

After posting 2 replies that disapeard after page refreshed. a short version. I may do Freedom now and only have $1500 in 3 months spending to get bonuses(Missed out on $200 for Freedom). I want to wait on CSP to spread spending out on bonuses. And If I wait till after August I can use the 40k point bonus for my August 2016 honeymoon and decide if the card is worth keeping before my AF comes up. It will be nice to use in Canada with no FTF. After CSP a venture may be after with travel bonus. I should stay under 5 card in 24 months as my portfolio is:Auto Loan: Nov 2012Discover It: July 2013Amex: June 2015Sallie Mae: June 2015 within 24 months: 2If I get Freedom: 3 Then CSP in Fall 2015 or Spring 2016: 4. Then Cap 1 doesn't seem to have same limit so should be good with them after Chase. EDIT: DID CHASE FREEDOM AS WELL!

Sallie Mae Approved !! Edit : Reconned from 8K to 10K

Hi All , I just got approved for Sallie Mae credit card for 8K at 13.99% . I will be using this card for the 5% categories and the Discover IT for the rest (double cash back) . Though i am happy i got approved , a littlt disappointed as most of my other cards have higher limits than this , and i was expecting atleast 10 K limit on this card . If i call them tomorrow and request for a CLI using the same HP they did for the initial approval , will they even consider it ? or i have to wait a couple of months ? . Thanks , (Mod Edit - Title)

Spider15 wrote:
cbe2468 wrote:
Called the barclays backdoor number and reconned . Credit analyst increased the limit from 8K to 10K . She confirmed the same HP report that was pulled for the initial approval was used .Totally cool! You duun gud !!! Took a nice $4k auto-cli after six months so work the card. Usually I do not seek HP CLIs.Thanks !! . Will take care of this card very nicely and expect Barclays to do the same after six months BTW , i was trying to edit the subject topic to reflect that i had already reconned . Not sure how to do that . can you please let me know how to do it .

Sallie Mae Approved !! Can i recon for high CLI ?

Hi All , I just got approved for Sallie Mae credit card for 8K at 13.99% . I will be using this card for the 5% categories and the Discover IT for the rest (double cash back) . Though i am happy i got approved , a littlt disappointed as most of my other cards have higher limits than this , and i was expecting atleast 10 K limit on this card . If i call them tomorrow and request for a CLI using the same HP they did for the initial approval , will they even consider it ? or i have to wait a couple of months ? . Thanks ,

Spider15 wrote:
cbe2468 wrote:
Called the barclays backdoor number and reconned . Credit analyst increased the limit from 8K to 10K . She confirmed the same HP report that was pulled for the initial approval was used .Totally cool! You duun gud !!! Took a nice $4k auto-cli after six months so work the card. Usually I do not seek HP CLIs.Thanks !! . Will take care of this card very nicely and expect Barclays to do the same after six months BTW , i was trying to edit the subject topic to reflect that i had already reconned . Not sure how to do that . can you please let me know how to do it .

Take the risk to apply for Sallie Mae Mastercard?

Hello, all. I am looking to apply for my first credit card and the rewards of the Sallie Mae Mastercard look very appealing. However, I am unsure whether I would realistically get approved for this card. As for my credit situation, my Equifax and TU scores are 681. I have no inquiries, no late payments, and my average account age is 8 years. All of the accounts in my credit history are student loans that are currently deferred (I'm a current grad student) and the newest of these is over 6 years old. I would like to take advantages of the benefits of this card as soon as possible and I have not seen another card with comparable rewards; but I am conflicted, given the scores and circumstances that seem to have been approved & denied. I am thinking that my low income (grad student stipend) and not great credit score mean that I will probably not be approved for this card; but, I do not have any experience with this, so I thought I would seek some advice. Thank you in advance for any help!

MJ8121 wrote:
Thanks for the advice on Capital One. I tried the prequalify there and it said "we couldn't match your records to a card offer. But based on your answers, we think you might like this card" (the QuicksilverOne). I guess that means that I am not pre-approved for any of those cards? Just as a general question: if I apply for the Sallie Mae MC and am denied, how long would you all recommend waiting before applying for a different (more easily attainable) card?Recon first before applying for another if declined... I believe the UW/Analyst are open 24 hours a day.. Not sure on the other answer, but sure other people will weigh in... I still think the sticking point is no CC history even with the Apple CC from barclay's which is their easiest.. Barclay's isn't known to be a lender that wants to hand out credit to a person new into the game nor do they really like to have more exposure than other lenders either.. Obviously there are exceptions to every rule. As stated if you can afford a TU pull go for it, only 1 TU pull or should only be one against TU.. Otherwise I would suggest going for a Discover or Cap1 where you don't need cc history persay..

Are the memorized passwords in plain english? See Sallie Mae Website

I was just on the Sallie Mae payment website and they have a warning that memorized passwords can be accessed in plain English. I thought the passwords were suppose to be secure and encrypted. Is there an update that needs to be installed. Very concerning.

They stored encrypted in signons.sqlite even if you do not use a MP, but having access to the key3.db file is sufficient to decrypt them and the Password Manager will also show them if you copy the two files to another profile folder or computer.
The names and passwords stored in signons.sqlite are encrypted with a Triple DES key (CBC mode) that is stored in key3.db and a master password adds an additional level to this encryption.<br />
If you do not use a master password then having access to key3.db and signons.sqlite is sufficient to have access to the encrypted names and passwords by placing the two files in a Firefox profile folder.<br />
Always use a strong master password (e.g at least 12 characters) that can't be easily guessed or found via a dictionary look up or a script and you should be safe.<br />
Make sure that you remember that master password or else all your passwords are lost.<br />
You always need the matching file key3.db that was used to create a signons.sqlite file to make it possible to decrypt signons.sqlite.

Sallie Mae 6 Month Auto CLI

From 4000 at the 6th statement CONGRATULATIONS! Because you have managed your account responsibly, we've increased your credit line to $8,500.00. This increase is effective right away, so it is available to you now. We hope this increase makes it easier and more convenient to use your Sallie Mae World MasterCard for all of your purchases.

MrDre wrote:
Whats your usage like? For me on a $6700 limit I've used the card for $1000-$5000 each month... 30-60 transactions each month and PIF. I didn't get a 6 month auto CLI... but like I said, there's been reports of the increase on the 7th month as well and that statement cuts next week. So we'll see... it's definitely my go to card.

Oh snap on a roll, approved for Sallie Mae!

How hard is it to get the Sallie Mae card? I've only been through 3 statements with my current rewards card and was approved for that after recon. My profile is a lot better and thicker now with my score being 30+ points higher than when I was approved, what are my odds At this point in getting approved? I have 3 collection on my cr that expire 4/2016..any help would be appreciated

So after going on my first app spree last night going 2 for 4, I wanted to shoot for one last card. Figure I should take a pull from my TU report as it was untouched from the spree, applied for the Sallie Mae card got the 7-10 message. Called recon instantaneously, analyst asked about my delinquencies from 3 years ago, explained, he then asked what my goals were to pay off my balance??? Lol found that funny, to cut it short he approved for $2500 I said no I wanted something higher, he said OK $3500 and happy 4th!

Any success with Sallie Mae or Discover approval with large unpaid collection?

I have a 15000 collection on my account that I won't be able to payoff until next year. QS opened in June. $5000sl. No other inquiries or cards in the last decade. TU 675, EQ 690s. Will I need to wait until that is paid?

delaney1 wrote:
Any success with Sallie Mae or Discover approval with large unpaid collection?Given the impact of derogs the standard advice is to get them addressed. The specific creditor you intend to apply with does not matter. A collection is a major red flag to a potential creditor. Don't rely on apping with the "right" creditor. Hit the Rebuilding subforum and carefully research before taking action as it is possible to make matters worse. delaney1 wrote:
No other inquiries or cards in the last decade.I don't understand hte obsession over inquiries. They're a relatively small factor and if you're getting denials citing inquiries then you have bigger problems you need to address. Tackle the large slices first.http://www.myfico.com/crediteducation/whatsinyourscore.aspx Derogs kill Payment History. Payment History is 35%. Inquiries impact New Credit. New Credit is 10%. Inquiries taper and fall of relatively quickly. Derogs can taper but tend to have a significant impact and drag you down as long as you have them on your reports. Focus on cleaning up your derogs if you have any.

After updating to Firefox 7.0.1, menu bar for Google,yahoo, Facebook (message,notification,profile,home) and others site are disabled. How can solve this problem?

after updating to Firefox 7.0.1, menu bar for Google(web ,image,video,map etc),yahoo, Facebook (message,notification,profile,home) and others site are disabled. even I cant log out from different sites cz the log out bar is completely disabled. I tried with Firefox 4;5 and 6, same problem exist . I tried by active all add ons for facebook, same problem exist. If I use internet explorer , I don't find such problem with it.
How can I solve this problem?

Thanks a lot for your swift response. And sorry if it was a bit too hectic to go through my detailed query (which I did because it was misunderstood when I asked previously). As I've mentioned above, I was informed that updating to 5.0.1 would '''require''' me to '''delete''' the current version and then install the new one. And doing so will involve losing all my bookmarks. I guess I should have been more specific and detailed there. By losing, I didn't mean losing them forever. I'm aware that they're secured in some place and deleting and installing the software doesn't harm its existence. What I meant that if I install the new version, I'd have to delete the old one. And after installing the new version, I'd have to transfer them (bookmarks) back from wherever they are. Get it? When it updated from 3.6.9 to 3.6.13, and from 3.6.13 to 3.6.18, I didn't need to follow that process. They were already present on their own.
BTW, I'm having no problems with 3.6.18 but after learning about the existence of version 5.0.1, I'm a bit too eager to lay my hands over it.
Thanks for your help; hope this wasn't extremely long.

Remote and Local Site Sync Problems

I have a customer who is using Dreamweaver CS4 on Mac OS X. Dreamweaver is setup to have a local site as our development server(win 2k3) and the remote site as our live web server(win 2k3). The folder structure on both the development and live web server is the same. When you view the path in the manage site window of dreamweaver it shows both remote and local site listed as /Volumes/www/Data. When dreamweaver connects to both of these to sync the files nothing happens since it sees them as the same place.
I have looked in the /Volumes folder on the customers computer and two listings appear for the servers www and www-1. This is not what dreamweaver shows and if you repoint the link to the www-1 folder it just changes back to www.
I have tried to create alias' and symbolic links to distinguish one folder from the other however nothing I seem to change has any effect.
If you use finder on the machine it can distinguish between the two folders I just need to figure out how to make dreamweaver do the same.
Any assistance on this would be greatly appreciated.

Unfortunately no I do not have a solution. I was not able to find out at the time and the problem went away with the migration to a content management system for our web server. Also the Develpment team changed hands and the new people all use windows machines.
Good Luck trying to find a solution.

Issue with Internet facing site and Intranet sites

Hello All,
I have migrated the SP2013 environment using database attach method for our intranet site. We also working on the
SP2013 Internet facing site using the same content database as Internet site.
When I extended the web application for Internet facing site, zone to
Internet and these are the URLs: The Intranet website URL is
https://intranet.contoso.com/SitePages/home.aspx (Root Site) and
SP2013 Internet facing site http://contoso.com (not a root site and publishing site template)
However, I found on the http://contoso.com users can still access the
http://contoso.com/SitePages/home with same content as Intranet.
After done some Google search, bloggers mentioned to have move https://intranet.contoso.com/SitePages/home.aspx to another site collection so that Internet facing site can exist root site.
Can 2 we have to two root sites in same web application? I need the content database to be same so that managers can check
Internet facing site and after signing into SP2013, redirects to
Internet site.
Which is the best option to achieve this with same content database.
Please advice.
Regards,
Aroh
Aroh Shukla

Business Requirement:
Content Managers want to control internal Internet site (https://intranet.contoso.com) (with default zone, port 443, Root site) and also want to have SP2013 Internet site (with Internet zone
http://www.contoso.com (not a root site and publishing site template)), Anonymous access at Web Application level. I configured the site architecture
to have intranet zone as default zone and extended Web Application for Internet facing site with Anonymous site. This the current site architecture
Because content managers do not want to duplicate public site (Internet facing site) with will be shared with some lists that are stored in intranet site.
For e.g. a sub site named “News and Events” will be shared with Public site as well as Internet users. Therefore, if a manger wants to update a list in the public site, it should reflect in intranet site as well. Thus, managers
don’t want to have separate database but same content database.
Problem:
I have extended web application to have different Internet zone, the site URL looks this: http://www.contoso.com/sites/public with publishing template and Anonymous access. Managers want to have public site URL to be just
http://www.contoso.com and not   http://www.contoso.com/SitePages/Home.aspx. As I am using path based site collection for extending site collection, I am
getting this URL http://www.contoso.com/SitePages/Home.aspx
We also tried host named site collection, but it does not provide anonymous access and keep on asking for user credentials.
Q1: We want to have Intranet and Public site with same content database as per business requirements, Shall I following link       http://sharepoint.stackexchange.com/questions/81172/moving-content-db-for-a-site-collection-to-another-db-server?
Q2: Because I am constrained that I don’t want to have separate web application, (I know, its not regular requirement), how could achieve this requirements?
Q3: Do have to completely re-design web site architecture, with
www.contoso.com as main web application, then copy Intranet site collection and move this to
www.contoso.com/intranet using
Move-SPSite command
Any kind of pointer and help will be highly appreciated as I am struggling for 2 weeks to solve this.
Regards,
Aroh
Aroh Shukla

Sallie Mae and Barclay site

Similar Messages

Maybe you are looking for