@learnin113 wrote:OT: Barclays is softing the hell outta me. Not on Equifax tho, where I have like 10 inquiries (thank god), but on Experian, where I only have 3. I really hope that allows me to fly under their radar for a bit. I do have like 4 on TU, but that includes Barclays. We'll see.
I wish I could see softs on EX. I ca nsee them on EQ and not TU. I'm sure their gonna keep a hawkeye on me but i'm gonna be a good lil boy for 6 months!!
@LS2982 wrote:
@john398 wrote:
@LS2982 wrote:Thanks for all the replies guys!! My wife's car payment (Santander" takes CC's and it makes it easier for us to get by for now doing it like that. I wish mine did (WF) for the rewards but its a cash advance.
Thats GEMB I thinkI think it is for some, I noticed it did mention GEMB on their site.
they r a very bad company, they took over my loan but i was a couple of months ahead on my payments, but if u google them u can see all the bad deeds they do
@learnin113 wrote:OT: Barclays is softing the hell outta me. Not on Equifax tho, where I have like 10 inquiries (thank god), but on Experian, where I only have 3. I really hope that allows me to fly under their radar for a bit. I do have like 4 on TU, but that includes Barclays. We'll see.
When did you open your Barclays? I just check who has been softing my experian and did not see Barclays however I just opened my account in December
@dalebb wrote:
@LS2982 wrote:
@john398 wrote:
@LS2982 wrote:Thanks for all the replies guys!! My wife's car payment (Santander" takes CC's and it makes it easier for us to get by for now doing it like that. I wish mine did (WF) for the rewards but its a cash advance.
Thats GEMB I thinkI think it is for some, I noticed it did mention GEMB on their site.
they r a very bad company, they took over my loan but i was a couple of months ahead on my payments, but if u google them u can see all the bad deeds they do
Yea I already know this. 
@john398 wrote:
@learnin113 wrote:OT: Barclays is softing the hell outta me. Not on Equifax tho, where I have like 10 inquiries (thank god), but on Experian, where I only have 3. I really hope that allows me to fly under their radar for a bit. I do have like 4 on TU, but that includes Barclays. We'll see.
When did you open your Barclays? I just check who has been softing my experian and did not see Barclays however I just opened my account in December
Early October. And so far it looks like they've softed me twice twice in October, twice in November and four times in December 
CONGRATULATIONS ON YOUR NEW CARD!!! 
Congrats! So far I am loving Barclays. I was really apprehensive about getting a cc w/them after reading AA stories here. But they have been really great w/ me so far, and their CS is far superior to Cap One! I'm looking forward to a long and mutually beneficial relationship. W/ them. I got an iPad 2 days after approved, before I even recd the CC. Was also concerned because I'd gotten 2 other new CCs in Nov that weren't on CR when I appd. Thank goodness I've had no problems. I can only check softs on EX, but haven't checked, since I'm not worried about it. Hoping for nice CLI in 6 mos. time will tell.
My take is that it would be silly for them to CLD or AA if someone is paying what they need to pay on time.
It sure will make any company nervous if they see a lot of new credit but they might also look at the % of the new credit from the other companies that you're using. In my case, I am already using about 60% of my Barclay card but paying more than the minimum on it. Reason why I'm stretching it is to show a good payment history. Paying it in full is generally better but showing a company that I can manage my monthly payments is better IMHO. I dont know what a particular bank likes. If there was a disclaimer on credit card sites stating 'We love when you pay in full at the end of the month' I would know but then they want to also make money on us in terms of APR..so that's a catch 22 here
I dont blame them for softing but i think there are man other factors that might trigger CLD or even AA. As long as I'm doing the right thing, I think I'm hopefully looked at favorably. The best we can all do, are our best practices that we have learned on this forum and hope that we are looked upon as responsible customers.
Anything above that we cannot control
Congrats! Take good care of this new little "seedling," and I'll see you around the garden. 
Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
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@tinuviel wrote:Congrats! Take good care of this new little "seedling," and I'll see you around the garden.
I will see you each month in the garden!
Ray