Approval Rules

Barclay 0/6

Written by Jason Foley
Updated on Wed, 24 Jun 2020

Quick Summary

You're more likely to be declined on a Barclay application if you currently have a Barclay card that has not been used in the past 6 months

Banks That Use This Rule

Barclaycard »

Understanding the Barclay 0/6 rule:

Barclay is one of the only banks that looks at your current Barclay credit card usage before approving you for another Barclay card. If you already have another Barclay card -- but haven't used it in the last six months -- first make a few purchases on that card before applying for another. Then wait until your next statement before applying for another Barclay card. If you already have 2 Barclay cards, we recommend cancelling one, making sure to spend on the other, and then waiting a month before applying for an additional card.

About Approval Rules

Collecting credit card points is largely driven by understanding and abiding by bank rules regarding approval (or disapproval) of cards. So here’s what you need to know:

Approval rules are rarely fully publicized by the banks
We use our own research and data points from other users in creating the rules listing
Our goal in sharing/using the rule listings is to provide you guidance to avoid getting declined
There can sometimes be exceptions to the rules, but we try to take a more cautious approach in advising you.