Denied Barclays - any other unsecured cards?

[Epic]

I was denied Barclays Rewards card yesterday. I called the recon number and answered all the questions, yet they would not budge. I'm a year out from BK7 and this is the first time I have applied for a new card. My FICO is 680.

What other unsecured cards are suggested? Or should I go secured?

[spydc]

I was denied Barclays Rewards card yesterday. I called the recon number and answered all the questions, yet they would not budge. I'm a year out from BK7 and this is the first time I have applied for a new card. My FICO is 680.

What other unsecured cards are suggested? Or should I go secured?

Did you ever IIB Barclays? I'm surprised they denied you. I was just 1 month post discharge and was approved for the priceline.com visa card (Barclays). They pulled TU and my fico was 640. You can try Walmart Discover online. I believe they pull TU as well. I'm pretty sure capital one would approve you but they pull hards on all 3 cra's.

[tobee43]

me too...and i listed a rather large barclay's on my bk, but had no problem getting a card.

now it's 4 years later and it's one of the only ones i have kept since they report regularly and have increased by line yearly. i think we were out a bit longer than a year, but i would also try capitol one they are pretty good as well. (usually).

[budgetgal]

I got a Houshold Bank (HSBC) card one month after discharge with 611 FICO. It was an offer that was mailed to me. 1000 limit and 0 interest first year. 39 annual fee. 14.9 interest after. Capital One has since bought them. So I would say try Capital One. 6 months after getting card, FICO is 638.

[basketsbears]

Does Capital one or HSBC give cards if you BK them. I think we had 4 capital one cards between us, and one or two HSBC. Also does capital one give their auto loans if you BK their CC?

I doubt we will get a CC, but am curious.

[Floridagail]

Yes, I had a 8000 judgement with capone included in my bkrpty, within 6mos they sent me a 2 approval offers, ( my scores were 640) , so i applied and got 500 cl, now it has increased to 750. But no more increases. So I just keep it and really do not use it. I also get 30,000 cL approval for autoloan every month or so. I will not get in the cc rat race, I pay off each month what I use. My scores has risen to 700 so I am happy with that.

[SMinGA2]

Barclays has a lot of cards - and I don't believe they are all 'bankruptcy friendly'. Could be that you picked the wrong one, or perhaps its because you had not already started re-establishing?

Capital One is known to give 2nd, 3rd, etc. chances. Household bank is no more - they were bought by Capital One.

If you try a store card, research what company issues them. Like Walmart store cards are GEMB, which backs a lot of store cards. If you defaulted on a GEMB before, you're unlikely to get another.

[SPalin]

Don't give up, wait another 6 months and reapply! I was denied at 18 months post discharge with a 680 score and a no go with a recon, waited 6 months and got a great Apple Visa with no annual fee, but it does have a high interest of 22.45% and a starting CL of $1300.

[jetsfan2010]

I think some of the advice here is best. Some store cards tend to be easier to get overall, such as cards backed by GEMB.

[joshuagraham]

Wow, everyone seems to get approved with Barclays. One thing that they seem to be a stickler about is hard credit pulls. Had you done a lot of credit applications before applying to Barclays?

[tobee43]

Wow, everyone seems to get approved with Barclays. One thing that they seem to be a stickler about is hard credit pulls. Had you done a lot of credit applications before applying to Barclays?

we already had orchard, which we closed, best buy, which we closed ....and then cap one which is still open with a 4k limit now (they just raised it) and then we have the 2500 with barclays. it's so weird when i go on line to pay they have my old account that was IIB still there! so they are VERY bk friendly!

[Amy26]

Credit Unions are probably your best bet... I recommend trying Digital Credit Union, Navy Federal (if you're eligible), State Department Federal CU and Alliant Credit Union (when you get to 2+ years). Or even a local CU if you have any near you.

Barclay is extremely finicky. They will also monitor you for like 6 months after they give you a card to see if you have applied for anything or opened up any new trade lines.

[soccerguy]

is State Department Federal CU BK friendly?
how do u join?

[LadyInTheRed]

how do u join?

https://www.sdfcu.org/join

[soccerguy]

do they do a HP or soft pull to join?