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When did they lower the cut for very good to 740?
24 Looking to build Credit... What are some good tips on your first Credit Card
- Thread in 'General' Thread starter Started by trynafeelmink,
- Start date
- 3,085
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- Jan 6, 2013
yeah no scores with this free experian report, however theres some $1 option feature or whatever thing they offer where you can get the score too. but good question whether its a fako score or not since its coming from the actual experian site maybe its a real fico score, who knows.
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Finally closed on the house today. First stop was Chase to apply for the CSR. I was told I wasn't pre-approved. He didn't even have the option to apply for me.
I'm going to another branch tomorrow. I've never heard of anyone having that issue, but its not looking good.
I'm going to another branch tomorrow. I've never heard of anyone having that issue, but its not looking good.
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Theres a lot of churners/bonus chasers out there and if you're really going to get a card solely for the sign up bonus and then dump it I would highly suggest doing it for a big points sign up instead of cash back as they are much more worth it. Most cash back card sign up bonuses seem to be very low in the $100-200 range oppose to the Points sign up bonuses which can be transferred to airline partners or redeemed for travel on the card site which is more valuable. With all that said, I'm not a big believer in getting a card ONLY for the sign up bonus, it can be a vicious cycle with just too many open accounts. Get a card with rewards/perks that fits your spend and needs and a card you plan to grow with and go from there.
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Are you under the 5/24 rule? Why not apply yourself online? Unless, you're beyond 5/24 and I'm assuming going in person in the branch is because theres a chance of getting approved if you're over 5/24 which I heard some people were able to do.Finally closed on the house today. First stop was Chase to apply for the CSR. I was told I wasn't pre-approved. He didn't even have the option to apply for me.
I'm going to another branch tomorrow. I've never heard of anyone having that issue, but its not looking good.
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I'm over. Thats why I went into the branch.
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Prob bad question but assuming the 450 fee for sapphire reserve does not count toward first 3 month spending bonus?
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- 9,375
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Does anyone have the Apple Barclays Card? Thinking about applying for one when the new MacBook Pro drops. Is it hard to get approved? 
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It does not count toward the minimum spend requirement.
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Why not just sign up for a discover IT card. I don't know if they are doing the double cash back bonus but they should still have 5% cashback on apple.com .Does anyone have the Apple Barclays Card? Thinking about applying for one when the new MacBook Pro drops. Is it hard to get approved?
No point in signing up for apples card. I believe they have a high apr too.
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Already been down the discover road. Got denied.
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Most likely will get denied for barclays too then. Discover is an easy card to get .Already been down the discover road. Got denied.
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- Oct 24, 2010
Does anyone have the Apple Barclays Card? Thinking about applying for one when the new MacBook Pro drops. Is it hard to get approved?
Barclays card blows
Better off getting approved for discover or another card with cash back especially discover if they are doing the double cash ack you will get the $100 for joining
Then possible 5% from apple or another store where you cop from
- 9,375
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Repped both of you.
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^^ I'm currently waiting out until January 2017 to re-apply for the Reserve Card, after being denied because of the 5/24 rule. I should have 2 cards drop off.
Hope I get approved this time because there is no other card at the moment that interests me. It just sucks having excellent credit and being punished because you play the game well with the slash and burn.
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That Barclays card has quite a few negative reviews. I wouldn't bother with it.
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Damn, had 4 inquiries fall off and went up 40 points
Sitting at 765
Sitting at 765
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- Aug 22, 2012
Guess I'm the contrarian. I have the card, I only use it for Apple purchases. I bought a MacBook pro and iMac on it. As others have said it's pretty bland. I plan to pay it off before AP kicks in and then keep it in my safe. For what it's worth I got like 100 in apple gift cards from my purchases.Does anyone have the Apple Barclays Card? Thinking about applying for one when the new MacBook Pro drops. Is it hard to get approved?
I also think it's fairly easy to get approved. Worth a shot.
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- 9,375
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- Jul 1, 2015
Thank you. Take a rep. Yeah I was planning on only using it for the MacBook and then putting it away since the APR is wild. I'll look around for more cards and decide a little later.
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- Apr 30, 2011
This is just me, but expenses outside of a car, tuition or house/remodel should be paid for in full. I've personally never cared as to what APR any of my credit cards are since they're paid off each month.
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Truth!
I take advantage of 0% intro APR dates, but otherwise it has ZERO bearing on my CC's. I couldn't tell you any of mine tbh, and I have like 10
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I pay off my CC every month however not everyone is as well off as others
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Yup. If you paying high interest rates on credit cards you doing it wrong. Only exception should be an ABSOLUTE emergency. If it ain't an emergency you don't need to buy it with credit cards unless you can pay cash for it
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- Sep 27, 2008
I don't make big purchases until I have the cash for it. I don't understand how people can splurge and eat those interest rates.
RustyShackleford
Supporter
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Does anyone have the Apple Barclays Card? Thinking about applying for one when the new MacBook Pro drops. Is it hard to get approved?
Barclays card blows
Better off getting approved for discover or another card with cash back especially discover if they are doing the double cash ack you will get the $100 for joining
Then possible 5% from apple or another store where you cop from
I'm flourishing outchea wit my Jetblue joint
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