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Contributor
Posts: 100
Registered: ‎01-26-2014
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Just approved for barclay card.. what card next …??

Just got approoved yesterday for the barclay card for 1000 limit, no success with recon.  What card should i Apply for now,,  needing one more.. 656 TU 653 EQ.  @ collections paid form 11, 12 .  Carsons card 900, express 500, best buy 500.  Low uti two auto loans all on time

Valued Contributor
Posts: 12,902
Registered: ‎08-13-2013
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Re: Just approved for barclay card.. what card next …??


TheFlores wrote:

Just got approoved yesterday for the barclay card for 1000 limit, no success with recon.  What card should i Apply for now,,  needing one more.. 656 TU 653 EQ.  @ collections paid form 11, 12 .  Carsons card 900, express 500, best buy 500.  Low uti two auto loans all on time


Congrats :smileyhappy: on your approval

Old user name newportguy*** Current Score: myFico EQ - 813 (01/14/2015) Discover TU Fico - 809 (02/04/2015) EX Fico - 821 ( 03/01/2015 ) ******* Amex - BCP 10 K * Discover - IT 12 K * U.S. Bank Cash + Visa Signature 8.8 K * PenFed - Cash Rewards 5 K * Amex - GDSM 5 K ******FICO 800 Club Member ******* EQ 813 *** TU 809 *** EX 821 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 830's Scores ******
Regular Contributor
Posts: 147
Registered: ‎10-07-2013
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Re: Just approved for barclay card.. what card next …??

Rumor is that Barclay frowns upon people opening up too much credit in the first 5 months after you get a card with them.  I'll find out next month because I opened 4 new cards including the barclay card back in October.  With your scores I might garden 6 months with the Barclay and hope your scores get closer to 700 before applying for a rotating card like discover or freedom or a card like BCE.


FICO EQ: 733 TU: 727 CS FAKO EX: 737                                                                                               In the garden since 5/9/13
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Valued Contributor
Posts: 13,581
Registered: ‎12-13-2013
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Re: Just approved for barclay card.. what card next …??

Congrats on your new card :smileyhappy:

EX Cred Sesame 02/15: 766 (+1) ; EX Fico 04 V2 06/14: 775; EX Fico 08 BC 02/15: 797 (-42)
EQ Beacon 5.0 12/14 757
TU Fico 8 02/15: 754 (-51)
Established Contributor
Posts: 780
Registered: ‎10-11-2013
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Re: Just approved for barclay card.. what card next …??

With your scores, definitely garden for at least 6 months. Barclays gets spooked with a bunch of new accounts without the credit history to back that up. But after that, I'd go for a Discover or BCE/BCP.

 photo ScreenShot2013-10-12at111542PM.png photo NUS000000012_160X101_STRAIGHT.gif photo NUS000000180_160X101_STRAIGHT.gif photo HNY2HNY2.png photo DISCOVER_IT_LG.gif photo bankamericard-better-balance-rewards-credit-card-small.png photo SLM2SLM2.png
$5400 ............ $5000 ............ $5000............ $3000 ............ $2750 ............ $2500 ............ $1000 ............ $1000
In the Garden until at least May 2015.
Senior Contributor
Posts: 4,501
Registered: ‎09-13-2013
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Re: Just approved for barclay card.. what card next …??

Garden at least 6 months. Congrats!


Just say no to a ton of low limit SCT cards. Quality over quantity!
Senior Contributor
Posts: 3,471
Registered: ‎11-13-2012
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Re: Just approved for barclay card.. what card next …??

Congrats on your approval. I would also suggest to garden for 6 months...You do not want to spook Barclays :smileyhappy:  You might get an auto-cli on Barclays with your 6th statement if you are lucky and then you might want to app for another card at that time.

Move the mouse over the cards for detailed view!
FICO® EQ 788 (as of today) - TU 777 (01/28).. ¦ ..Fako EX 808 (02/03 - CS)
Vantage score 3.0 TU 788 - EQ 806 (CK 02/03) ................................................bronze spade Garden Club Member


Contributor
Posts: 86
Registered: ‎01-07-2014
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Re: Just approved for barclay card.. what card next …??

You should be good to go for capital one quicksilver and possibly a base amex charge card or amex delta credit card.

 

look, if you plan on charging up the Barclays... AND then going to apply for more credit, sure.  But if you are using the card and paying it off, don't think it will scare off Barclays.

 

i think the rumors are overblown, and we don't know what other issues other people had.

 

 

Valued Contributor
Posts: 2,012
Registered: ‎04-04-2013
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Re: Just approved for barclay card.. what card next …??

Which barclay card did you get? And what other cards do you already have?


Contributor
Posts: 157
Registered: ‎08-22-2013
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Re: Just approved for barclay card.. what card next …??


Beane wrote:

Rumor is that Barclay frowns upon people opening up too much credit in the first 5 months after you get a card with them.  I'll find out next month because I opened 4 new cards including the barclay card back in October.  With your scores I might garden 6 months with the Barclay and hope your scores get closer to 700 before applying for a rotating card like discover or freedom or a card like BCE.


That is accurate!

 

they lowered my limit from $2000 to $1350 (just above what was on the card; I just bought some stuff at apple store) once I opened some new account

AMEX TrueEarnings 10K | AMEX BCE 10K | AMEX Hilton Honors 10K | AMEX Hilton Surpass 2K | Bank of America 1-2-3 2K | Barclay Card 2K | Chase Southwest Premier Visa 6K | Chase Marriott Premier Visa 9K | Discover IT Card 1.5K | Merrick Bank 1.4K | Navy Federal Credit Union Visa 10K | Navy Federal Credit Union navCheck 15K | USAA Rewards 7K |+ tons of store cards (GE furniture, Amazon, Lowes, Home Depot, etc)
Total amount of available credit $100K
Scores (as of December 2013) Equifax 714 | Experian 714 | Transunion 727
Short term goal is score 750+ across the board
Long term goal is to have all scores close to 800 or 800+

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