I've had it with Barclay's

[mongstradamus]

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@nursepower wrote:

Who else would be good to put my ATT bill on? Any suggestions?

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i would just put it on your discover IT, if you don't have ink plus / cash. 

[mongstradamus]

I had an pretty good experience with barclays today, i was thiking of downgrading or pc my AA aviator card. I got decent retention offer of waived af plus first $1000 spent would get me 5000 bonus miles not the best retention offer but very decent. 

[Kutuzov]

Discover with thier doble cash back bonus or city doble cash will accomplish the same as the rewards 2% on utilities.

[Anonymous]

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@nursepower wrote:

What's your current overall credit card utilization? 35% and going down

Any individual cards with high util? yes

 How many new accounts open in the last six months? 2

Fico scores? 667 per Barclays own site

And are they trending up, or trending down over the last few months? Trending up. 

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I think #2 spooked them, as they like to see you paying down balances. Sorry this happened to you.

Also

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@nursepower wrote:

 I had racked up a lot of Inquiries so they CLR me to $1050, since then I have relaxed with the inquiries, 

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May I ask how many inquiries were acquired that caused the initial CLD? That may have factored in as well. If you have a young credit profile, that may also be a factor.

[nursepower]

A LOT ....Like over 60..... I know I know.....but I've chilled out and worked on paying down in the last year. 

[Anonymous]

Wow - I think that is your answer! Sorry it happened, though.

[mitchblue]

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@nursepower wrote:

A LOT ....Like over 60..... I know I know.....but I've chilled out and worked on paying down in the last year. 

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Damn man. I'm positive that was the reason and I can't blame them.

[mongstradamus]

Hope some of those inquiries were from getting a loan of somekind :-) sixty seems like an lot in such an short period of time

[Anonymous]

I would have my radar up too if I were a lender after seeing 60 inquiries.

[nursepower]

The year previous...not this past year.

A lot should be aging off soon.