Juniper/Barclays

[MillerFam]

I recently applied for a couple of cards for the holidays. I applied and received the Hooters card $1000, Kays $2800 and target red card $200. On this splurge I also applied for Juniper/Barclays Sea Miles card. They pulled TU w/a FICO of 620. There response was:

• Low available credit on existing cards
  
• High utilization on another credit card
  
• High overall credit card utilization
  

I sent a reconsideration letter explaining that there is a CC on my CR that is listed that is not mine. It happens to be over the limit. I was an AU on this card. I had the TL removed and sent the info to Juniper for reconsideration. Juniper now pulled my EX report (FICO 599) which I had not had the info removed yet. Now the sent me a second denial letter stating:

• Proportion of revolving debt to inome is too high.
  

At this point I called them today 12-04-07. I spokw with a CSR and explained to them the situation again. To no avail I was denied now because of no significant credit re-established since BK discharged in 2000. Which is BS. Go figure.The CSR said wait like six months and reapply. Maybe I should not have gone for the Seamiles card.

Anyway does anyone here have any similar experiences? Any ideas? Is there

someone anyone here knows of that is maybe higher up in the Corp. I could write another letter to? Should I just drop it?

" Life is not about waiting for the storm to pass... it's about learning to dance in the rain".

[Fizzle1979]

I recently applied for a couple of cards for the holidays. I applied and received the Hooters card $1000, Kays $2800 and target red card $200. On this splurge I also applied for Juniper/Barclays Sea Miles card. They pulled TU w/a FICO of 620. There response was:

• Low available credit on existing cards
  
• High utilization on another credit card
  
• High overall credit card utilization
  

I sent a reconsideration letter explaining that there is a CC on my CR that is listed that is not mine. It happens to be over the limit. I was an AU on this card. I had the TL removed and sent the info to Juniper for reconsideration. Juniper now pulled my EX report (FICO 599) which I had not had the info removed yet. Now the sent me a second denial letter stating:

• Proportion of revolving debt to inome is too high.
  

At this point I called them today 12-04-07. I spokw with a CSR and explained to them the situation again. To no avail I was denied now because of no significant credit re-established since BK discharged in 2000. Which is BS. Go figure.The CSR said wait like six months and reapply. Maybe I should not have gone for the Seamiles card.

Anyway does anyone here have any similar experiences? Any ideas? Is there

someone anyone here knows of that is maybe higher up in the Corp. I could write another letter to? Should I just drop it?

" Life is not about waiting for the storm to pass... it's about learning to dance in the rain".

I've wrote recon letters to Citi, HSBC and Discover all with ending with me getting the accounts. But my sistuation and yours differ, because I never filed for BK or applied with Barclays.

[MillerFam]

I've wrote recon letters to Citi, HSBC and Discover all with ending with me getting the accounts. But my sistuation and yours differ, because I never filed for BK or applied with Barclays.

Maybe I should have not applied with Barclays...Maybe HSBC? I did not think my BK would be a problem so old.

[Fizzle1979]

You can find BK friendly cards. I think Cap One and HSBC are two. I'm sure there are others also. Use the link in my signature for WHO GAVE ME CREDIT to find out which lenders approve people with a BK history.

[MillerFam]

You can find BK friendly cards. I think Cap One and HSBC are two. I'm sure there are others also. Use the link in my signature for WHO GAVE ME CREDIT to find out which lenders approve people with a BK history.

Yeah Fizzle I actually have entered info for California in who gave me credit. I do not and would not want Crap 1. Bad experience.

Maybe i will try HSBC, I will check to see who they pull. I hope TU they are my best currently. HSBC has a host of different cards correct?

[Fizzle1979]

Yeah Fizzle I actually have entered info for California in who gave me credit. I do not and would not want Crap 1. Bad experience.

Maybe i will try HSBC, I will check to see who they pull. I hope TU they are my best currently. HSBC has a host of different cards correct?

I think the HSBC website lists all the cards they offer. If you haven't pulled your FICO, I would suggest you do that before applying for CC. It will let you know where you stand.

[MillerFam]

I think the HSBC website lists all the cards they offer. If you haven't pulled your FICO, I would suggest you do that before applying for CC. It will let you know where you stand.

Depending on who they pull my FICOs are TU 618, EQ 594 (Gone down since CRA's investigating) EX???

[daveyzzz]

I was able to get the Juniper iTunes card with a 605 Fico and previous BK (and open tax lien!) I think it might be just slightly easier to get than the other Juniper cards because of their tie in with Apple. I did have to go through a phone interrogation after I applied. $500 limit - no fee.

[MillerFam]

I was able to get the Juniper iTunes card with a 605 Fico and previous BK (and open tax lien!) I think it might be just slightly easier to get than the other Juniper cards because of their tie in with Apple. I did have to go through a phone interrogation after I applied. $500 limit - no fee.

Thanks Davey, The way this credit approval thing works ceases to amaze me.

Did you apply online? Who did they pull for you?

[daveyzzz]

Here's the link for the online application. They pulled my Equifax. I have heard they are BK unfriendly but like I said - I sneaked through with a BK and an open Fed lien.

Good luck !

Post back if you have any success.

[MillerFam]

Here's the link for the online application. They pulled my Equifax. I have heard they are BK unfriendly but like I said - I sneaked through with a BK and an open Fed lien.

Good luck !

Post back if you have any success.

Thanks I will. I am just scared. It's like asking someone to dance for the first time. You don't want to get shut down.

[ctfudge&bankofC-ville]

Sometimes my heart actually pounds and my stomach squirms when I hit "apply" and watch the dots rotating by - you know, the "please don't hit your back button, your application is processing" screen. The suspense is just too much for me.

I know - I need to get a life.

Last night, although it was bitter cold and windy with snow flurries blowing around, I filled up the car with gas even though I already had 1/4 tank and didn't really need to - just because I wanted the thrill of using my Texaco card!

And today I bought a wallet-like thing that holds many cards, so I don't have the problem I mentioned before of going through a deck of cards while people think I am crazy. I don't really sock-drawer cards, but I rubber-band infrequently used cards with medical insurance cards and the like, and put them in a separate section of my purse. Now I have the often-used cards in a flip-open holder, so no more crazy deck of cards.

[MillerFam]

Sometimes my heart actually pounds and my stomach squirms when I hit "apply" and watch the dots rotating by - you know, the "please don't hit your back button, your application is processing" screen. The suspense is just too much for me.

I know - I need to get a life.

Last night, although it was bitter cold and windy with snow flurries blowing around, I filled up the car with gas even though I already had 1/4 tank and didn't really need to - just because I wanted the thrill of using my Texaco card!

And today I bought a wallet-like thing that holds many cards, so I don't have the problem I mentioned before of going through a deck of cards while people think I am crazy. I don't really sock-drawer cards, but I rubber-band infrequently used cards with medical insurance cards and the like, and put them in a separate section of my purse. Now I have the often-used cards in a flip-open holder, so no more crazy deck of cards.

How do you do it. How do you get these cards with a BK?I thought AMEX would not touch you with a BK? Mine was discharged in 2002...WTH!

[lovebug5]

When some people on the forums say "YMMV" (Your Milage May Vary), it is most certainly true. Sometimes relying on the credit databases can be misleading, especially considering the fact that some of the data is pretty old. Regardless of how many years have past since your BK, other factors are going to play into the approval decisions...

Post BK, I have obtained the following cards:

Credit One Bank, HSBC, Capital One, Hooters, Macy's Store Card, Macy's Visa and the Target Red card.

A few months ago, I applied for Barclay's/Juniper and was denied as well. Also denied for a BoA card - but that denial led me to the HSBC card, which was an approval.

My repair post-BK has included a large number of deletions, which have contributed to my approvals with the above cards. Don't get discouraged by what other people have gotten and what you've been denied for.

[jq26]

How do you do it. How do you get these cards with a BK?

I received a Juniper Platinum $1000 card in early 2006 with a BK7 from late 2004 (18 months post discharge). The card has a 9.9 fixed apr but no rewards aside from providing me my TU score for free every month. The lack of rewards means it never gets used, but it is another card for the sock drawer.

So how is it done? I think it has to do with sufficient credit rebuilding after the BK. By the time I applied, I had a couple of secured installment loans, Target card, an Orchard (HSBC) unsecured card, an American Pacific secured card, a Providian Platinum card, a Chase Circuit City card, a Patelco Credit Union platinum card, an authorized user Citibank card (girlfriend), and a few student loans. All post Bk7 tradelines. This bumped my FICO to roughly 660-680 at the time and Juniper was happy to have me even with a BK7.

I applied over the phone.

[ctfudge&bankofC-ville]

The AMEX is not a "real" AMEX, apparently. It's a bank-issued one, and that has kept me out of some perks like using AMEX's credit-monitoring service (much to my chagrin.) I can't remember if I applied for a real AMEX or not, but either I did and got turned down, or I read that I definitely would be turned down for the combo of credit score and BK history. I have put that on my list of things to try for farther down the road because I just don't think it would be happening right now.

[pointman]

Thanks I will. I am just scared. It's like asking someone to dance for the first time. You don't want to get shut down.

Hey - If they say "NO", just tell 'em, "That's cool - I start with the ugly ones then work my way up...." BWAAAAA HAAAA!

Good Luck with Juniper. Six months will come and go in no time.

[MillerFam]

I take this all with a grain of salt. regardless of what Juniper says. They send me a denial letter saying one thing and when I call they tell me it was denied for another reason.

Yeah My BK was back in 2000, but I agree, I have not really established since then, well I have had auto loans and such. But until recently have I dared to get back on the horse that got me in this situation in the first place...The CREDIT CARD!

My History is not Bad, I think the trouble I am having now is that because I have not re-established, my old Credit historry is falling off my reports. So now it looks like I have no history. I guess that could be bad or good.

[MillerFam]

To add to my confusing journey. I applied for WAMU CC and was approved for $1500 in 30 seconds...Go figure!! Juniper can KMA!

[lovebug5]

To add to my confusing journey. I applied for WAMU CC and was approved for $1500 in 30 seconds...Go figure!! Juniper can KMA!

Congrats on the new TL, Miller!

[MillerFam]

Thank you. It's days like this I am tempted to apply for everything.I donot have very many inquiries.

[ctfudge&bankofC-ville]

Yeah! WaMu is a great card to have. High-five on that one!

[MillerFam]

Yeah! WaMu is a great card to have. High-five on that one!

Yeah it has been a strange week. I also applied for that Patelco CC...Shut down big time. It's a shot in the dark I tell ya!...Dare I try Best buy or a product of HBSC>>

[Moneedshelp]

Yeah it has been a strange week. I also applied for that Patelco CC...Shut down big time. It's a shot in the dark I tell ya!...Dare I try Best buy or a product of HBSC>>

Try for the Best Buy if you scores are in line with those being reported. I received the store card, then later applied for the MC. I am waiting for the MC to arrive.

[lovebug5]

Applied last night for the Barclay's/Juniper Barnes and Noble card, thanks to being incredibly jealous of Amerikaner's post about how the card can be used at the Starbucks within the store. I received the "your application is under review" message upon applying, and was told to check the status through their website. I made the decision to call them today to be a good consumer and see if I could assist them by providing information that would be useful with my application review.

The CSR informed me that my application was being held due to a security review and asked me if I wanted to perform that via phone. After answering a few questions...

APPROVED. $1,800 Limit. No annual fee. APR unknown at this time.

This approval should hold me over until March.

And I am blaming this approval on Amerikaner's influence.