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

always206 · ‎11-04-2012

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?

bluesnowman · ‎10-29-2012

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- 1.5k. 10/27/12. Discover: More- 1.5k. 10/27/12. Amex: PRG- NPSL. 11/24/12. Chase: Freedom.- 2.4k. Southwest Rapid Rewards Plus.-3.6k. 6/15/13 Last App: 6/15/13.

always206 · ‎11-04-2012

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.

kobe2012 · ‎03-16-2012

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
Cap1:$3.5k/Cap1:$2.5k/Freedom:$5k/Slate:3k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.2k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$1.5k

Cadillac-XTS · ‎08-20-2012

Congrats on amex and I say go for barclays

SnackTrader · ‎09-15-2012

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) $13,500, Cap1 Cash Rewards (6/12) $9,000, Barclaycard Arrival (5/13) $7,500, Citi Forward (12/12) $6,500, Chase Freedom (12/12) $5,000

In The Garden!

Last App: May 21, 2013

always206 · ‎11-04-2012

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!

CruzImperial · ‎07-04-2012

WOW Congrats!!! Very nice haha unbelievable.

always206 · ‎11-04-2012

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.

Epcot · ‎10-10-2012

Congrats on both approvals! That's great.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 777 EX 767 TU 771
App free since 4/11/12

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

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

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

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

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

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

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

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

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

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