My first barclaycard was the NFL rewards card back in October 2016 with a SL of $5,000. Requested a CLI at activation since I was planning on using the 0% BT offer. Was a HP, but increased to $10,000. Paid off the $6,000 BT around March of this year. Requested a SP CLI after and was increased to $14,000.
I received a pre approval letter in the mail for their Ring which is what I'm planning on applying for to take advantage of the $0 BT fee and consolidate a few of my balances.
With that said, I currently moved so I'm not sure if that will affect my pre approval since I will be applying with a new address. I spoke to a CSR, who actually said if I apply over the phone, it will be a SP since I'm currently a cardholder? Not sure if there's any truth to this but if anyone could chime in on that it would be greatly appreciated.
Now, my main question is that I currently have a balance on my NFL card of about $4000. Would it be in my best interest to pay that balance off first and then apply for the new card? Would doing so allow for a higher SL on the new card? Or would it not make much of a difference?
TU Fico is 739
2 inquiries on TU in the past year - both from barclay. 1 for the NFL card and 1 for the CLI
2 accounts opened after the NFL, both in January 2017. None in the past 6 months.
7% utilization
Thanks in advance!
