Opinions Please

[kmorr2586]

Hey Guys,

So as I posted before my credit has seen a turnaround for the better. I recently was approved for a BoA Americard $1800 limit and Capital One Quicksilver One with $300 limit. I am really tempted to apply for the Barclays Rewards MC. I'd really like to take advantage of the 0% balance transfer for 6 months to transfer my Credit One balance ($500) and pay that off within the 6 month period.

I also will be cancelling the 2 First Premier cards I have, soon if not, sooner. They both have a $0 balance.

I will be keeping the Merrick Bank ($1150) CL in my sock drawer and hitting the garden hard for a while.

Share your thoughts please!!

Thanks so much!

[azguy13]

Barclays is a good card but they are VERY inq sensitive. 

[BearsAndTurtlesRtheBest]

+1 how are your inquiries?

[Creditaddict]

search out the link for the pre-approval on here for Barclay... if you get "congrats" apply... but otherwise i might wait.

[kmorr2586]

4 inquiries. 2 for mortgage and then 1 each for BoA and Capital One cc's.

[BearsAndTurtlesRtheBest]

Thats not bad but Id go with what CreditAddict is suggesting. That way its a go or a no go.

EDIT: Good luck!

[BearsAndTurtlesRtheBest]

Here the link OP:  https://www.barclaycardus.com/apply/ProactivePrescreenLanding.action

[myjourney]

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@kmorr2586 wrote:

Hey Guys,

So as I posted before my credit has seen a turnaround for the better. I recently was approved for a BoA Americard $1800 limit and Capital One Quicksilver One with $300 limit. I am really tempted to apply for the Barclays Rewards MC. I'd really like to take advantage of the 0% balance transfer for 6 months to transfer my Credit One balance ($500) and pay that off within the 6 month period.

I also will be cancelling the 2 First Premier cards I have, soon if not, sooner. They both have a $0 balance.

I will be keeping the Merrick Bank ($1150) CL in my sock drawer and hitting the garden hard for a while.

Share your thoughts please!!

Thanks so much!

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With the new INQ's that I can see you had 4 or more

CAP1 was responsible for 3 and IM guessing BofA pulled 1 that's 4

IMO wait at least 6 moths before making anymore apps ....its time to garden 

[kmorr2586]

Thanks for your help guys.

Capital One was responsible for 1 inquiry 9/13

BoA was responsible for 1 inquiry 8/13

Then my mortgage lender pulled twice in June and July

[myjourney]

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@kmorr2586 wrote:

Thanks for your help guys.

Capital One was responsible for 1 inquiry 9/13

BoA was responsible for 1 inquiry 8/13

Then my mortgage lender pulled twice in June and July

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CAP1 pulls 1 from each CB...sorry so you have 2 more on other CB's 

How many INQ's have you had in a year