I have no BADDIES at all. But yea my BARCLAY and CapOne UTIL is pretty High. So I guess no new iMac for now.
What do you think of COSTCO AMEX? Im a frequent shopper there and I think getting the card would be a good idea. But I dont know If I can get approved either. :/
I guess so!
How soon can I apply after I paid down the balances?
how many times I can apply for barclay in a day that will only count as 1 pull?
Wait till the lower or zero balances show up on your credit report then apply. I'd go for a prime card with a 0% intro APR (Chase Freedom maybe?) rather than the Barclays Apple card. You can use the Freedom for anything and the rewards are pretty good.
We already got the house 3 mos ago. But is not showing on my report yet.
I guess dont apply for Barclay then. Which other CC company should I try and get easy approval with my current credit? Second reason I want to get a new acct is to maximize utility.
I recommend a Bill Me Later account. I think you will qualify for the account even with the high utility. They typically pull EQ but the account doesn't report so it won't hurt your utility. The Apple site takes BML as a form of payment. That's my .02 cents. Right now, they are offering 6 months 0% interest and no payments on purchases over $250. The downside... if you don't pay it off in 6 months, all interest accrues and the APR is 19.99%. Good Luck with what ever you decide. You can apply at check out online to see if you qualify.
Edit: BTW... I never recommend going into more debt when you already have a high utility, but I wanted to answer your question with an alternative.