Discussion in 'Buying Tips and Advice' started by AppleGoat, Mar 3, 2014.

  1. AppleGoat macrumors 6502a

    Oct 14, 2010
    I opened a Barclays card in mid-February to see if I'd be approved (I was) for a potential MacBook purchase. The card has been sent to me and all but I'm not sure if I will take advantage of the financing. Would opening and closing a card I never used adversely affect my credit rating?

    I also may wish to reapply for the card down the line once I'm ready to buy the MacBook.
  2. alphaod macrumors Core


    Feb 9, 2008
    Since you opened a card, it would have been a hard check and would have affected your credit.

    Then closing a line of credit will drop it even more.
  3. triple-tap macrumors 6502

    Feb 18, 2013
    +1 to this.

    Also, barclaycard regularly sends me offers to purchase apple products with no interest for 18 months on purchases over $999. My advice is to just keep the card open and wait for the next offer.
  4. porthole2 macrumors member

    Feb 26, 2014
    The Barclays card gives you a free FICO score if you set up online access.

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