*nods* Based on all that, I'd say your plan is probably the better option... not that I know what your approval chances would be for those cards, I just feel like Barclay's dislikes less than 6 months of revolving history and lowering the util is always helpful.
We're working on DFs util right now haha If I knew positively whether BTs counted towards the spending for this offer or not (contradicting information in the T&C) I'd do that for him to hit my $1000 spend instantly. I'm still trying to convince him to apply, but he's one of those who think that having multiple credit cards is bad. I keep telling him it's only bad if you use them improperly, but he won't listen 
SnackTrader wrote:
Fast forward 2 weeks:
SnackTrader: I applied for the Barclays NFL Card to get the $400 cash back for $1000 spent...........................
ETA: Rofl at those two lines!
modernsurrender wrote:*nods* Based on all that, I'd say your plan is probably the better option... not that I know what your approval chances would be for those cards, I just feel like Barclay's dislikes less than 6 months of revolving history and lowering the util is always helpful.
We're working on DFs util right now haha If I knew positively whether BTs counted towards the spending for this offer or not (contradicting information in the T&C) I'd do that for him to hit my $1000 spend instantly. I'm still trying to convince him to apply, but he's one of those who think that having multiple credit cards is bad. I keep telling him it's only bad if you use them improperly, but he won't listen
SnackTrader wrote:
Fast forward 2 weeks:
SnackTrader: I applied for the Barclays NFL Card to get the $400 cash back for $1000 spent...........................
ETA: Rofl at those two lines!
Active credit card usage is hard for many to learn, especially if they aren't used to it. If you think about it, multiple credit cards are difficult to manage when you throw in all of the bills of a household. My observation is that most people outside of these forums use one or two credit cards for all of their credit spending, and then pay that as they are able. If they get rewards, great. But actively managing multiple cards in order to maximize rewards is just a complicated concept for many.
On top of that, the idea of a balance transfer in order to reduce interest is not often the first place many consider. You're doing your DF a favor by explaining it, but don't be surprised if the message never gets through. Our obsession isn't shared by many.
Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012 
youngandcreditwrthy wrote:
Congrats!!! Seee I knew you could replace that ole HSBC card!!!! Crapital One can suck it!!
LOL! It is really nice, because $2500 here will make up for the $950 lost to HSBC and now I can still close my $800 BofA card in March if they don't raise it and I'll still have increased my available credit over the course of the year. It makes me happy lol, but when I get happy, I also get app-y 
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
