Got a few suggestions about applying to Barclays to help rebuild. Gave this link a shot and got this message
We appreciate your interest in the Barclaycard Rewards Mastercard.
Unfortunately, we are not able to provide you with an immediate decision on the application you just submitted.
Your application requires further review, which can take up to 10 days.
We will notify you in writing in no more than 30 days (and often sooner) about the status of your application.
You can also visit our website to check the status at myapplicationstatus.com
Click HOME to return to the Barclaycard Homepage
Guess I'll see in 10 business days. My TU Fico is 661 (MYFICO) quite a few inquiries (0 in the last 6 months) all collections paid, all usage under 50% except 1 card. If they say no I will pay off my card and try again at the end of summer.
UPDATE: got an e-mail to check the status and the message said:
Currently we are unable to offer you a credit card issued by Barclays Bank Delaware. Details on why we could not make you a credit offer will be mailed to you.
Definitely need to get my 1 balance under 20% and will give it a shot again. I guess I simply need to be patient....