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Just approved for barclay card.. what card next …??

Contributor

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

Message 1 of 11
10 REPLIES
Valued Contributor

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 Smiley Happy on your approval

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 2 of 11
Regular Contributor

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
Message 3 of 11
Moderator

Re: Just approved for barclay card.. what card next …??

Congrats on your new card Smiley Happy

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
Message 4 of 11
Established Contributor

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 NUS000000180_160X101_STRAIGHT.gif photo DISCOVER_IT_LG.gif photo card_1.png photo night-launch.png photo NUS000000012_160X101_STRAIGHT.gif photo bankamericard-better-balance-rewards-credit-card-small.png
$15000 ........... $12500 ............ $11750 ............ $10000 ........... $9400 ............ $5000 ............. $5000
In the Garden until at least November 2015
Message 5 of 11
Community Leader
Super Contributor

Re: Just approved for barclay card.. what card next …??

Garden at least 6 months. Congrats!
Message 6 of 11
Senior Contributor

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 Smiley Happy  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!
....Last HP 01 NOV 2016...............
Message 7 of 11
Contributor

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.

 

 

Message 8 of 11
Senior Contributor

Re: Just approved for barclay card.. what card next …??

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





TU-8: 755 EX-8: 771 EQ-8: 763    EX-8 Bankcard: 815    
TU-9 Bankcard: 795 EQ-9: 822
   EX-98: 735 EQ-04: 730
Total $437,800
Message 9 of 11
Contributor

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+
Message 10 of 11