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improvingmycredit,
thanks! i'm usually here on a nightly basis just reading other people's experiences and advices...then i try to apply it to my situation and see where it gets me...lol...so far i've improved my credit and so hopefully i can improve it more by the end of the year to increase my chances of approval for future ccs...thanks for the offer in advice... this is a great community indeed
@enharu wrote:its a nice card.
i hope mine doesn't get closed lol :/
Hey enharu!
I doubt it very seriously. You have a good FICO score and this indicates a good track record with lenders. From what I've seen (and I've looked around) Barclays typically only takes AA with individuals that are borderline approval starting out. As long as you don't go crazy and open up more accounts for the next 6 months, I don't think you have anything to worry about. Don't sweat it! I did when I got my first Barclays and didn't app for 6 months. Did me a lot of good. haha
I opened 5 other accounts when I opened my Barclays, which is why I think there's a good chance I'm going to be in trouble lol.
I used over 3-4k on my arrival and just paid in full today, so hopefully they'll look at my usage and payment as well.
I hope they don't SP me now too. My CSP is reporting at almost 90% utilization. Forgot the statement cuts 3 days after the due date and I made several new charges.
@enharu wrote:I opened 5 other accounts when I opened my Barclays, which is why I think there's a good chance I'm going to be in trouble lol.
I used over 3-4k on my arrival and just paid in full today, so hopefully they'll look at my usage and payment as well.
I hope they don't SP me now too. My CSP is reporting at almost 90% utilization. Forgot the statement cuts 3 days after the due date and I made several new charges.
seriously... don't sweat it enharu. Either they will or will not. I don't think they will but it is a possibilty with that many new accounts and high utility on one of your high limit cards. But there isn't anything that can be done till something happens so I really wouldn't worry about it. When I first started out with Barclays, they SP'd me every month on either TU or EX and on a couple of occasions, both. They actually have a department that is responsible for checking peoples profiles for new apps and inqs. Only CC that I know of that has a special department for this. Barclays!
@djc1puno wrote:improvingmycredit,
thanks! i'm usually here on a nightly basis just reading other people's experiences and advices...then i try to apply it to my situation and see where it gets me...lol...so far i've improved my credit and so hopefully i can improve it more by the end of the year to increase my chances of approval for future ccs...thanks for the offer in advice... this is a great community indeed
WTG!
Thanks to all the awesome members here!!
THis $500 spend still around?
I have my yearly motocycle premium insurance coming-up, and that' $256 I was going to put on another card - that could take %50 off this spend requirement,