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Applying for a second Barclaycard? Hard inquiry?

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Anonymous
Not applicable

Applying for a second Barclaycard? Hard inquiry?

Hello all. First time poster, long time lurker. I just applied for and was approved for a Barclaycard Apple Rewards last week. I was considering applying for the regular Barclaycard Rewards to see if I was approved. Could use the extra credit to improve my utilization %. I did not want to attempt it though if it would be another hard inquiry. Anyone know if it would be a soft inquiry, by any chance, since I just applied through them last week? Defiinitely don't want to add another HP at this point. Thanks for the help!

Message 1 of 6
5 REPLIES 5
TRC_WA
Senior Contributor

Re: Applying for a second Barclaycard? Hard inquiry?

Expect a HP.

 

 

FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24
Message 2 of 6
Anonymous
Not applicable

Re: Applying for a second Barclaycard? Hard inquiry?


@Anonymous wrote:

Hello all. First time poster, long time lurker. I just applied for and was approved for a Barclaycard Apple Rewards last week. I was considering applying for the regular Barclaycard Rewards to see if I was approved. Could use the extra credit to improve my utilization %. I did not want to attempt it though if it would be another hard inquiry. Anyone know if it would be a soft inquiry, by any chance, since I just applied through them last week? Defiinitely don't want to add another HP at this point. Thanks for the help!


HP.

Message 3 of 6
Anonymous
Not applicable

Re: Applying for a second Barclaycard? Hard inquiry?

Thanks. I'd rather not have the extra available credit than to have another HP.

Message 4 of 6
-Cal-
Valued Contributor

Re: Applying for a second Barclaycard? Hard inquiry?

HP. You typically need 3 months in between Barclay apps. 

Message 5 of 6
Anonymous
Not applicable

Re: Applying for a second Barclaycard? Hard inquiry?

I got a Barclay Ring in Jan. - HP then got the Barclay Rewards in April - HP again. Both were TU.

Message 6 of 6
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