Barclays

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

  1. AppleGoat macrumors 6502a

    Joined:
    Oct 14, 2010
    #1
    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

    alphaod

    Joined:
    Feb 9, 2008
    Location:
    NYC
    #2
    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

    Joined:
    Feb 18, 2013
    #3
    +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

    Joined:
    Feb 26, 2014
    #4
    The Barclays card gives you a free FICO score if you set up online access.
     

Share This Page