Reply
Member
Posts: 28
Registered: ‎11-04-2012
0

Approved AMEX BCE, Want Barclays $400/$1000, Bad Idea to Apply?

Approved for a 0% APR (15 months) $7500 AMEX with a  $250 statement credit for $1000, however I'm interested in the $400/$1000 NFL Barclay Promo. I'll use the $650 for a 2012 Roth contribution. Will it be a bad idea to apply for the Barclays a day after getting the AMEX?

Frequent Contributor
Posts: 464
Registered: ‎10-29-2012
0

Re: Approved AMEX BCE, Want Barclays $400/$1000, Bad Idea to Apply?

I wouldn't think so, but it could depend on how many inquires you have. I have heard that Barclays is extremely Inquiry sensitive so you might want to wait, this is from my limited expirence and based on what I have read on this and other forums. 

Bank of America: Cash Rewards.-1,000. 4/25/12 (CLI Increase 6/15/13), Citi: Forward- 3k. 10/27/12 (CLI on 2/8/14, SP). Discover: More- 2k. 10/27/12 (Increase 6/1/14). Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 2.4k. Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-4k.12/8/13. Last App: 1/8/14.
Member
Posts: 28
Registered: ‎11-04-2012
0

Re: Approved AMEX BCE, Want Barclays $400/$1000, Bad Idea to Apply?

The only other inquiry is from the AMEX. Otherwise, my two other credit cards are from six years ago, and the two car loans I've paid off in full early are over 3 years.

Established Contributor
Posts: 697
Registered: ‎03-16-2012
0

Re: Approved AMEX BCE, Want Barclays $400/$1000, Bad Idea to Apply?

[ Edited ]

am not sure how inquiry sensitive they are but I applied yesterday for this card and approved me with only $600 CL..... i closed the account since the limit was too low for me... i have total of 11 inquiries on TU, 7 this year, 4 the last 5 months (2 (including barclay) the past week)....


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Approved AMEX BCE, Want Barclays $400/$1000, Bad Idea to Apply?

Congrats on amex and I say go for barclays

Valued Contributor
Posts: 1,607
Registered: ‎09-15-2012
0

Re: Approved AMEX BCE, Want Barclays $400/$1000, Bad Idea to Apply?

If you don't mind the inquiry, I say go for it. You have $400 to gain and only 1 inquiry on one of your reports to lose. So in my estimation it's worth the risk.

In My Wallet: Amex BCP (12/12) $32,000, Chase Freedom (12/12) $16,500, Citi Forward (12/12) $14,600, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Thank You Premier (6/15) $6,800

Last App: June 27, 2015
Member
Posts: 28
Registered: ‎11-04-2012
0

Re: Approved AMEX BCE, Want Barclays $400/$1000, Bad Idea to Apply?

Just applied. $7,000 CL. This seems too easy.... $7,500 AMEX and this card $7,000? I'm definetly done applying for years, however I'll take these two recent additions as a good sign of my previous and prospective financial lifestyle. An extra $650 sounds good for my ROTH! Smiley Happy

 

 

Established Contributor
Posts: 869
Registered: ‎07-04-2012
0

Re: Approved AMEX BCE, Want Barclays $400/$1000, Bad Idea to Apply?

WOW Congrats!!! Very nice haha unbelievable. 

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Member
Posts: 28
Registered: ‎11-04-2012
0

Re: Approved AMEX BCE, Want Barclays $400/$1000, Bad Idea to Apply?

How is this unbelievable? I don't mean that in a pretentious/arrogant fashion, I sincerely know very little about credit avaliability in this economic climate, thus I do not fully appreciate your underlying premise. 

 

Thanks.

 

 

Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Approved AMEX BCE, Want Barclays $400/$1000, Bad Idea to Apply?

Congrats on both approvals! That's great.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.