Barclaycard initial Card offer

stephtie

I am coming up to 5 years out of Bankruptcy in November. I am now looking to build up a credit rating over the next year or so. On MSE today is an offer for the Barclaycard Initial Bad Credit Card.
I have done MSE eligibility check and it's come back as 80% chance to be accepted. However, I don't want to apply incase it bounces back as a no.
Does anyone know if there is a possibility I would get it 5 years out or do I really have to wait for the 6 years out?


Thanks in advance!

grumbler

stephtie wrote: »

However, I don't want to apply incase it bounces back as a no.

'No' isn't reported.
One credit search have a pretty small and short-lasting effect.

john1002

also you need to ensure you do not have any active CCJs, apparently you are allowed one satisfied and no recent defaults.

Why not use the barclaycard checker but again I got an excellent chance on there but got declined, I do have active CCJs so that was the reason but the checkers did not take this into account.

I would try cap one or aqua over barclays.

Barclays initial is more for people looking to start credit whilst having none.

john