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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Barclay - 6 months or 1 year no apps?

Im curious, should i wait 6 months or 1 year from date of application before apping again? Dont want to poke the bear.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
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Re: Barclay - 6 months or 1 year no apps?

It has been said that its 6 months, however I opened at least 5 accounts after I opened them and I had no AA.  So this one is a YMMV situation with Barclay.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: Barclay - 6 months or 1 year no apps?

Well i was approved on recon so was thinking at least 6 months.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
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Re: Barclay - 6 months or 1 year no apps?

Yea in that case I would wait at least 6 months then as that *may* be one of the factors of AA.  Not sure about that, just speculating :womanlol:


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Frequent Contributor
Posts: 254
Registered: ‎12-29-2012
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Re: Barclay - 6 months or 1 year no apps?

I was approved for my barclays card last month and have opened 3 more credit cards to date. Hopefully, no adverse action is taken. 

Cards: CSP 6k, Chase Freedom 6k, BCP 7.5k, Sallie Mae 8.9k, Discover 5k, BOFA Better Rewards 3.8k
Frequent Contributor
Posts: 420
Registered: ‎09-08-2010
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Re: Barclay - 6 months or 1 year no apps?


Duncanrr wrote:
Im curious, should i wait 6 months or 1 year from date of application before apping again? Dont want to poke the bear.

I had mine for about 8 months before I app'd again (and then got 3 more cards in short order and no AA).  So here is my question to you...is there a good (great, imperitive) reason for a new app?  If not, I'd really hold out for a year if you can... since you mentioned you got approved on recon.

just my 2cents... it is truly a ymmv thing

Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: Barclay - 6 months or 1 year no apps?

@codimom. The reason is I maybe relocating for new job to different city. I have option of corporate housing for a couple of months but then i will need to rent or buy a second home (keeping condo in current location). Either purchase or renting will probably entail applications for credit.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Contributor
Posts: 1,346
Registered: ‎04-15-2011
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Re: Barclay - 6 months or 1 year no apps?


Duncanrr wrote:
@codimom. The reason is I maybe relocating for new job to different city. I have option of corporate housing for a couple of months but then i will need to rent or buy a second home (keeping condo in current location). Either purchase or renting will probably entail applications for credit.

At least that's not a new credit card, Barclay would be able to see that.  If you've waited at least 6 months, I'd think you'd be fairly safe.  You could always contact Barclays and explain you've been offered a job that pays more (if it does, I would think it must if it allows you the option of having 2 properties) in a new location.   So congrats!  :smileyhappy:

Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: Barclay - 6 months or 1 year no apps?

It does pay more, about 40% salary bump plus stock options. Haven't decided to take it as its a big decision and money isn't everything.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Frequent Contributor
Posts: 402
Registered: ‎11-03-2012
0

Re: Barclay - 6 months or 1 year no apps?

Approved on recon. Added 4 accounts including a new Barclays acct before month 5. No AA. Always PIF. Perhaps Barclays has grown up? Anyway go for it.

Starting Score: 501
Current Score: 706 EQ,TU 689,EX 686
Goal Score: 720

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