There’s currently no way to get Barclaycard pre-approval. At least, that’s the case for Americans: You can use Barclays’ credit card eligibility checker if you live in the UK. The only hope the rest of us have of Barclaycard pre-approval is to get a pre-approved offer in the mail. And there’s no way to summon such a letter. Barclaycard pre-approves people on its own schedule, according to its own criteria. And they obviously aren’t public.
Getting pre-approved for a credit card is helpful because it means you have a roughly 90% chance of being approved for an account when you actually apply. But just because you can’t do an official Barclaycard pre-approval check doesn’t mean you’re flying blind. There’s a lot of information available that can help you estimate your odds of being approved for whichever Barclaycard you have your eye on.
Here’s what to consider in place of Barclaycard pre-approval:
Minimum Credit Score: All of the Barclaycard credit card offers on the market right now require at least good credit for approval. And even good credit isn’t enough in a couple cases. What is good credit? You may think it’s a credit score of 660-719. But we’ve seen a lot of people with such scores get rejected for credit cards with good-credit requirements. So, we recommend applying for Barclaycards that require good credit or better only if your credit score is 700+. And Barclaycards that require excellent credit should be reserved for people with scores of 750+.
You can check your latest credit score for free on WalletHub, the only site with free daily updates.
Ability to Pay: If your income level or your financial obligations indicate you can’t afford a new line of credit, Barclaycard won’t approve you.
Excellent Credit Barclaycards: You won’t have a shot at JetBlue Plus Card unless you have excellent credit.
Reportedly, there once was a Barclaycard pre-approval screening tool. And while there isn’t one now, that shouldn’t be too big of a deal. Pre-approval lets you check your chances without a hard inquiry, but even pre-approved people have to submit a formal application. And if you’re up to date on your credit score and have a clear picture of your finances, you should be able to decide if applying for a Barclaycard is worth it.
If it’s not the right call because your credit score is less than good, there are plenty of credit cards for people with fair, limited and bad credit from other issuers. Many of them let you check for pre-approval, too.
Unfortunately, you can’t just check your Barclaycard pre-approval status at will, unless you live in the UK. You can either wait to receive a pre-approved Barclaycard offer in the mail or just go ahead and apply.
You’re eligible to receive pre approved Barclaycard offers by mail as long as you haven’t ever opted out of pre approval in general. If you haven’t actively made a request not to receive offers, you’re all set. And if you get a pre approved offer by mail, you can fill out the enclosed application and send it back to Barclaycard for evaluation.
But why wait? One Barclaycard credit card I highly recommend applying for is the Barclaycard Arrival Plus World Elite Mastercard. It’s one of the best cards if you’re a frequent traveler.
The Barclaycard credit score requirement is to have a credit score of 700; this means you need at least good credit to get a Barclaycard. But barely meeting the absolute minimum Barclaycard credit score requirement probably won’t give you very high odds of approval. For the same reasons, Barclaycards that require excellent credit should be reserved for people with scores of 750+.… read full answer
It’s also important to note that your credit score isn’t the be-all and end-all of credit card approval. Credit card issuers also consider factors such as your credit history, income and how much debt you owe. But comparing your rating to a given Barclaycard’s credit score requirement is an easy way to get a rough sense of your approval odds.
Here are the Barclaycard credit score requirements:
Barclaycard approval odds largely depend on your credit score, income and debt. All Barclays credit cards require a minimum of 700 or 750 credit score; this means you need either good or excellent credit to get approved for a Barclaycard. And that alone tells you the average American’s Barclaycard approval odds aren’t so hot. The average credit score is below 700, and you need to be above that mark for good Barclays approval odds.… read full answer
Here’s what you should know about your Barclaycard approval odds:
Barclaycard will consider your credit history, income, existing debt and number of recent inquiries, among other things, when reviewing your application. The exact approval criteria for each card aren’t public, though.
When applying, you must provide your permanent address, date of birth, Social Security number and mother’s maiden name.
Business card applicants must provide their company’s legal name, trade name and phone number, plus how many employees they have, how long they’ve been in business, and their annual revenue.
You can’t check if you’re pre-approved for a Barclaycard. You could receive a pre-approved offer in the mail, but there’s no way to request that.
You should check your latest credit score before applying. If it’s not good enough for a Barclaycard yet, you’ll want to look into other cards for building credit.
The best thing you can do for your Barclaycard approval odds is use credit responsibly. Paying down balances, making payments on time and not maxing out your existing cards all help your chances. And if Barclaycards aren’t a realistic option right now, you still have choices. Plenty of other credit card companies have offers for people with fair, limited and bad credit.
You don't. If they don't contact you, the only other way to know is to apply.
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