What baddies do you have?
What other Cards do you have?
$500 seems low for Barclay and you have higher TU then me... I got $1300 and I thought that was low, some other posters got 2-3k with lower score then me.
I dont have any baddies. Report is clean. But got 2 credit cards with 75% util. BoA has 600CL and Cap1 has 500 CL both on 75%. BoA opened 02/2010 and Cap1 opened 07/2011. Thats why I guess only $500 for barclay. I want higher though. :/
I would pay down the other cards and hold off apping for another barclays for 6 months.
Thanks! Now Im thinking, I should've applied for the Apple! Oh well. I guess its not time for me.
I want more CL for that barclay. 1000 would be nice. When is the best time to call for CLI?
After your util % is down to near 5% I'd try in 4 months.