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Frequent Contributor
ilovelisa
Posts: 360
Registered: ‎12-07-2012

I think I survived my 6th month at Barclays.

My 6th statement came out yesterday, and there is no message on it or online that they have closed my account. I also got a CLI to $2000 a month ago.  Does this mean that I survived the 6th month check? I have opened a bunch of accounts since I opened theirs in December 2012, most of them are closed now, and I have 26 inquiries on TU.

Frequent Contributor
Razeus
Posts: 387
Registered: ‎04-02-2012

Re: I think I survived my 6th month at Barclays.

I think you're good, lol.

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Frequent Contributor
NonSufficientFunds
Posts: 330
Registered: ‎04-09-2013

Re: I think I survived my 6th month at Barclays.


ilovelisa wrote:

 I have opened a bunch of accounts since I opened theirs in December 2012, most of them are closed now, and I have 26 inquiries on TU.


Why would you open "a bunch of accounts" within six months, and then close them - were they closed by you or the creditors?

 

Also, 26 inquiries on one credit report seems extremely desperate, and I would be surprised if Barclay didn't give you closer scrutiny - let alone granting an increase in CL.

Valued Contributor
lg8302ch
Posts: 2,438
Registered: ‎11-13-2012

Re: I think I survived my 6th month at Barclays.


ilovelisa wrote:

My 6th statement came out yesterday, and there is no message on it or online that they have closed my account. I also got a CLI to $2000 a month ago.  Does this mean that I survived the 6th month check? I have opened a bunch of accounts since I opened theirs in December 2012, most of them are closed now, and I have 26 inquiries on TU.


Are you apping as hobby ?  Why would you app for cards to close them ?  I am confused :smileysurprised:

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Regular Contributor
goosedog
Posts: 327
Registered: ‎05-28-2013

Re: I think I survived my 6th month at Barclays.

I have him beat. I have 30 INQ on EQ, 25 on TU and 13 on EXP. Howver I did get approved for 95% of the cards I applied for.

Frequent Contributor
ilovelisa
Posts: 360
Registered: ‎12-07-2012

Re: I think I survived my 6th month at Barclays.

I was apping for cards with GE, I apped for Gap, TJ Maxx, AE, and Old Navy hoping to get the Visa or MC version. I was approved for all of them, but as store cards only, the highest limit was at TJ Maxx, for $300. I know they would have grown but I did not want to have to keep up with those 4 new accounts, so I closed them.

Regular Contributor
goosedog
Posts: 327
Registered: ‎05-28-2013

Re: I think I survived my 6th month at Barclays.

[ Edited ]

It's not hard to keep up with the cards. I got a bunch of GE cards recently too (JCPENNY, CHEVRON, GAP, OLD NAVY, BANA REP,ETC). I used them, paid them off and now just gonna let them sit for  3,4 months than use them, charge something minor like 20 dollars for a shirt or something to show some activity so the cards do not close.  People are under the impression you HAVE to use the card to keep it open. That's not true. I have a CARCAREONE account from GE for car repairs. I have a 1500 limit. Haven't used the card once in about a year. Its in my sockdrawer incase I have unexpected car repairs (who doesn't these days). The account is still showing active.

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Senior Contributor
myjourney
Posts: 25,176
Registered: ‎02-07-2013

Re: I think I survived my 6th month at Barclays.


ilovelisa wrote:

My 6th statement came out yesterday, and there is no message on it or online that they have closed my account. I also got a CLI to $2000 a month ago.  Does this mean that I survived the 6th month check? I have opened a bunch of accounts since I opened theirs in December 2012, most of them are closed now, and I have 26 inquiries on TU.


Congrats for cutting back and not adding any more accounts you had us worried for a minute Lol 

That being said I think you will be ok with Barclay WTG

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spengbab
Posts: 100
Registered: ‎02-13-2012

Re: I think I survived my 6th month at Barclays.

I think in the past 2 years I've taken about almost 15 inqs, barclaycard was my 2nd card to get (was only the 2nd pull). People fear the big bad barlcays taking AA on your account but they have not done that to me and increased my credit limit from 1400 to 2100 at the 8th month mark. 

Barclaycard Apple Financing (2100), Discover More (2500), US Bank Visa Platinum (2000), CFNA (2200), Chase Freedom (500), Capital One (1500), HSBC Platinum Master Card (750), Nebraska Furniture Mart (1000)
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09Lexie
Posts: 24,202
Registered: ‎09-13-2012

Re: I think I survived my 6th month at Barclays.

Yay! ilovelisa I was worried about you back then but I'm glad it worked out for you.

To the posters asking why so many apps/ accts? OP, had an addiction and seems like its cured now. We are so proud of you.

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