Question about Barclays " paranoid credit rules. "

[slarano]

Did some click-throughs on the Terms and Conditions on their site, seems that their NFL card has the best combination of BT offer (12 months at 0% APR and low purchase APR), so I went with that app. Only have one TU inquiry (read that Barclay usually pulls TU, especially in NJ) in the past two years (two if you count another one I had with Barclay's over 16 months ago - denial at that point for one of the Apple cards), current util. is at 21%, FICO is 713, no baddies, just student loans creating most of my debt. Got the 7-10, wondering if I should call in tonight to get a live person on the phone or wait until tomorrow morning for a "recon" try? My other TU inquiry was in early March, approved for a $4200 limit with TempurPedic (Wells Fargo), that account has a $0 balance.

Also, important to note I have tried with Barclay once each of the past three years (including just now), previous two have been turned down, hoping third time's the charm!

[ChesterPDexter]

Please let us know what happens.  I'm very interested to see if you are approved for this.  Admittedly, I have some selfish reasons to be concerned - my husband want to convert his Apple iTunes card to whatever is the best he can get from Barclay.  They told him "no" back in his mediocre-credit days, but now that his credit is pure as the driven snow, he is thinking about what to ask for from them.