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Another Preselected Barclays mailer

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jetsfan2013
Frequent Contributor

Another Preselected Barclays mailer

Checking to see if anyone else has received this...

 

 

 

I got my first Barclarys Rewards MC pre select mailer last fall, and was declined due credit util (75% at time of app) and AAOA.

 

Here is that original thread:

http://ficoforums.myfico.com/t5/Credit-Cards/Barclays-Rewards-Pre-Selected-in-mail

 

 

Not sure if I wanna take a chance and burn another inq. TU Fico is 632 currently, with 45% Util. 15 inq on TU file

 

Road to rebuilding starts soon
Message 1 of 11
10 REPLIES 10
09Lexie
Moderator Emerita

Re: Another Preselected Barclays mailer

Not with your util being that high. Get it down to less than 30, 20% would be best
Message 2 of 11
djc1puno
Valued Contributor

Re: Another Preselected Barclays mailer

+1 Smiley Wink


GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Message 3 of 11
jetsfan2013
Frequent Contributor

Re: Another Preselected Barclays mailer

Thanks.  I acutally have the current TU info FWIW

 

19% util as of today - 17 inq as of today

Road to rebuilding starts soon
Message 4 of 11
09Lexie
Moderator Emerita

Re: Another Preselected Barclays mailer

17 inq's? How many in the past year? How many new accts?
Message 5 of 11
jetsfan2013
Frequent Contributor

Re: Another Preselected Barclays mailer

12 of 17 in last 12 mo

 

7 of those are new accts less than 12 mo

Road to rebuilding starts soon
Message 6 of 11
enharu
Super Contributor

Re: Another Preselected Barclays mailer

I would guess that's too many new accounts and inquiries for Barclays.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 7 of 11
myjourney
Super Contributor

Re: Another Preselected Barclays mailer


@enharu wrote:
I would guess that's too many new accounts and inquiries for Barclays.

+1 time to garden

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 8 of 11
lhcole77
Valued Contributor

Re: Another Preselected Barclays mailer


@myjourney wrote:

@enharu wrote:
I would guess that's too many new accounts and inquiries for Barclays.

+1 time to garden


+2 I don't think it's worth the risk

Message 9 of 11
vygotsky
Contributor

Re: Another Preselected Barclays mailer

Why are you particularly interested in a Barclarys Rewards MC?

FICO 733 (Discover)
Message 10 of 11
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