Should I try for the Ring?

Anonymous · ‎03-22-2015

I've been gardening since my SM app in January. It was an instant approval. I really like the idea of the Ring, but I really don't know if I'd get it. I still have two paid collections from 2012, and lates from Cap One showing as recently as 13 months ago on my TU. 9 INQ on TU, 6 since November.

As a side note, in the next couple of days, my Discover will report $3707 of the $5500 (previously $0), due to booking vacation on 0%. I'll be very aggressive at paying it down, but if I'm going to app, I need to do it before it reports.

Any input is appreciated!

B335is · ‎03-22-2015

I would wait 4-6 months in between Barclays approvals especially if you have some negs left on your CR.

Anonymous · ‎03-22-2015

I think the combination of blemishes, inquiries, and a new Barclay card from two months ago would result in a denial.

chalupaman · ‎03-22-2015

Barclay's is strict with waiting a while before apping for another one of their cards. I agree with the others.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

Anonymous · ‎03-22-2015

Ok thanks guys. I've probably been reading too many of @pizza1 's threads in the last couple of days. Makes me want more and more (especially since my util may need a little help while I pay down the IT).

Anonymous · ‎03-22-2015

@Anonymous wrote:
@Anonymous thanks guys. I've probably been reading too many of @pizza1 's threads in the last couple of days. Makes me want more and more (especially since my util may need a little help while I pay down the IT).

If you need util padding, jump on the Venture. Probably add a quick $10K.

Anonymous · ‎03-22-2015

@Anonymous wrote:
@Anonymous wrote:
@Anonymous thanks guys. I've probably been reading too many of @pizza1 's threads in the last couple of days. Makes me want more and more (especially since my util may need a little help while I pay down the IT).
If you need util padding, jump on the Venture. Probably add a quick $10K.

Damn, I was hoping nobody would go there. Haha. I might, but I doubt it.

Prequal shows QS1 and Plat, but nothing on the higher end.

Anonymous · ‎03-22-2015

Not that strict in my experience..

Although I have hit my exposure limit with them.

Anonymous · ‎03-22-2015

@Anonymous wrote:
Not that strict in my experience..

Although I have hit my exposure limit with them.

Nixon, you mean not strict on the Ring, or Barclays as a whole? Pretty sure I recall 4x recons for SM

Anonymous · ‎03-22-2015

After I cracked them open in October ive gotten two more instant approvals from them.