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Member
CharityV
Posts: 12
Registered: ‎04-09-2014
0

I did it - Barclay Rewards Approval

I couldn't bring myself to try for the Arrival, even though the pre-approval link gave me the congratulations message for it. I just don't think I would have been approved, all of my research indicated it required excellent credit. Anyway, I DID apply for the Barclay Rewards card - and was instantly approved! $1300 limit.

 

You guys, this is the first cc I have had on my own in something like....over a decade! When I was young I really screwed up my credit. I've been an AU on the DH's card since we got married, but that's it! It was kind of an empowering moment to see that approval come through. :smileyhappy: Anyway, um question is - what now?? Should I apply for something else while the HP is fresh? People seem to do this in groups, and I know 1 cc is not enough for a solid portfolio. And if I do apply for something else, what should it be? I don't want to put a bunch of HP on my CRs if I can help it, so I want to be really careful and considered about how I proceed. So, what next? Help a girl out!



Starting Scores (4/1/2014): Mine 654 Ex/639 Eq/ 641 TU DH 650 Eq
4/25/14: Mine 654 Ex/734 Eq/ 641 TU DH 720 Eq

Gardening until April 30th, 2015 - Mouse over card for limit.



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Senior Contributor
KennyRS
Posts: 4,946
Registered: ‎01-15-2009
0

Re: I did it - Barclay Rewards Approval

Congrats! Great job! I think Barclays will really grow with you and will also encourage you to not expand too quickly! :smileyhappy:
Starting Score: EQ04: 748 (1/31/14) - TU08: 755 (1/06/14)
Current Score:EX08:782(9/08) - EQ04:763(8/29) - EQ08:783(9/10) - TU08:799(9/05)
Goal Score: 800+
Valued Contributor
gdale6
Posts: 9,262
Registered: ‎12-13-2013
0

Re: I did it - Barclay Rewards Approval

Grats on your new Barclays card :smileyhappy:

EX Cred Ses 08/14: 767 ; EX Fico 04 V2 06/14: 775; EX Fico 08 07/14 778 ; EX Fico 08 BC 07/14: 800
EQ Fico 05/14 781 ; EQ MPM 07/14: 721
TU Fico 8 07/14: 719; TU MPM 06/14 706
Mega Contributor
coldnmn
Posts: 12,915
Registered: ‎08-08-2011
0

Re: I did it - Barclay Rewards Approval

Congrats! You could give the Discover IT a shot or wait 6 months and try then after showing some history.

My Wallet /US Bank Cash+ Signature $10,000/ Ace US Bank Signature $10,000 / Sam's Mastercard $8000
/ Walmart Mastercard $8000 / Discover IT $5000 / Care Credit $5000
/ Husqvarna $5000 / PayPal SmartConnect $4800 / Cap1 Quicksilver $4000 / Barclay Ring $3550
Last App 8/12/14 /

Frequent Contributor
NursePurse
Posts: 286
Registered: ‎12-14-2013
0

Re: I did it - Barclay Rewards Approval

Congrats!!

EQ FICO 694 TU FAKO 712 EXP FICO 671 (Started rebuilding in Nov 2013, scores were low 500's, student loan charge-off's dating from 2011, all marked as paid on CRB's) 2% Utl
Chase United Mileage Plus $5,000/Citi AAdvantage $4,000/USAirways MC $5,000
NFCU cashRewards $10,000/Navcheck $10,000/Cap1 Quicksilver1 $2,500/Cap1 Quicksilver1 $2,000/Gap $650/Barclay Rewards MC $1,000/Walmart $950/CareCredit joint $8,400 LOFT/Express/VS all $250/J.Crew $1050/True Value $950 /Nordstrom $500/Amazon$1400/Amex Hilton HHonors $1,000/Chase Amazon $500/Chase Freedom $2,000/Paypal MC $4,000

Senior Contributor
alvon123
Posts: 6,843
Registered: ‎09-24-2013
0

Re: I did it - Barclay Rewards Approval

congrats


Member
CharityV
Posts: 12
Registered: ‎04-09-2014
0

Re: I did it - Barclay Rewards Approval

Thank you everyone! And based on advice I received in a previous thread, I also went ahead and had the DH apply for the same card (his own, instead of adding him as an AU to mine), and he was just approved for a $1500 CL. :smileyhappy: So now we will each have access to our TU CR each month, which was the real draw for me with this card. I am super excited.

 

I have heard of people reconning right after approval for higher CL immediately...is it worth it to try this? What do they typically look for?

 

Our goal is to get into an AMEX Skymiles card as soon as possible. (We would actually use the miles, husband flies Delta exclusively for an international business trip every year). We aren't there yet, but I feel like this is a solid step down the road to get there. :smileyhappy:



Starting Scores (4/1/2014): Mine 654 Ex/639 Eq/ 641 TU DH 650 Eq
4/25/14: Mine 654 Ex/734 Eq/ 641 TU DH 720 Eq

Gardening until April 30th, 2015 - Mouse over card for limit.



Valued Contributor
BigBS
Posts: 2,217
Registered: ‎02-18-2014
0

Re: I did it - Barclay Rewards Approval

Congrats to both of you!


AMEX BCP - $34.5K | AMEX Delta SkyMiles Gold - $10.4K | AMEX Platinum - NPSL | BofA BBR VISA - $15K | BofA Merrill Lynch + VS - $15K | Barclaycard Arrival WMC - $17.5K | Chase freedom VS - $5.5K | Citi TY Pref WMC - $21.9K | Coldwater Creek MC - $15K | Discover it - $11.5K | FIA AMEX - $16K | Synchrony Bank/HH Gregg - $10K | LMCU PP VISA - $10K | NFCU cashRewards VS - $30K | NFM (Store Card) - $6K | PFCU Platinum CRV+ - $39K | US Bank Cash+ - $16.5K | US Bank Cash+ - $12.5K | USAA WMC - $20.3K Last HP 24 Jul 14 - Gardening into 2015.
Member
CharityV
Posts: 12
Registered: ‎04-09-2014
0

Re: I did it - Barclay Rewards Approval

Ha ha! Okay. So, the husband already has a Chase card, on which I am an AU. (Rewards card from 2005).  It's the card we JUST paid the balance down on, from 90% utilization down to less than 20%. But I looked at the cards people typically recommend alongside the Barclays, because I want at least 2 cc of my very own to garden with. Between the Discover IT and the Chase Freedom, I liked the Freedom best, so I checked their pre-qualification, and it did give me the pre-approved message. (To my surprise). I waffled, but went ahead and pulled the trigger. APPROVED! But the CL is only a measly $500. No problem. I can grow that, and it's still a lot better than a declined, right? What would you all recommend to make that CL grow quickest? And should I stop now that I have two cards? The plan is to garden for a year, and then apply for the AMEX card next May.



Starting Scores (4/1/2014): Mine 654 Ex/639 Eq/ 641 TU DH 650 Eq
4/25/14: Mine 654 Ex/734 Eq/ 641 TU DH 720 Eq

Gardening until April 30th, 2015 - Mouse over card for limit.



Senior Contributor
Wanderer
Posts: 4,135
Registered: ‎10-03-2008
0

Re: I did it - Barclay Rewards Approval

Congrats!

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