Barclay 0/6

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.

Important to know:

Like most other banks, Barclays has several rules when it comes to how frequently you will be approved for one of their cards and if you will be eligible for a signup bonus. These rules also appear to be inconsistently enforced, so you will see contradictory information regarding this rule and others from the bank. There are reports of people being approved for a new card without having used an existing card for the previous six months, so don’t take this as a hard and fast rule.

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.