Credit Cards Center Credit cards from our partners
Reply
Frequent Contributor
Posts: 496
Registered: ‎11-13-2012
0

Toying With Barclays

I got my Barclays MC in November.  30 days later I got BCE.  I did not at that time know how sensitive Barclays was to additional TL's.  Question is, If my wife were to open a US Bank CASH+ account and AU me, do you think that showing up on my CR would spook Barclays?

 

Her credit smokes mine (always has) so no issues there.

 

Thanks.


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.


Minor vulgarity edit --Rev



Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: Toying With Barclays

US Bank does not report AU's. Joint holders are reported though.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Frequent Contributor
Posts: 496
Registered: ‎11-13-2012
0

Re: Toying With Barclays

DOH!  There goes that planSmiley Surprised

 

I see the joint bit on the app now.  Apping as joint would ding us both with an INQ plus the TL right?


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.


Minor vulgarity edit --Rev



Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: Toying With Barclays


jake619 wrote:

DOH!  There goes that planSmiley Surprised

 

I see the joint bit on the app now.  Apping as joint would ding us both with an INQ plus the TL right?


Yes, but her apping and then adding you as an AU would not cause any problem for you (it would also do you no good).

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Toying With Barclays

Barclays needs a "messin with Sasquatch" type of commercial Smiley Wink


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: Toying With Barclays

I would say app jointly and not care how barclays reacts.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Frequent Contributor
Posts: 496
Registered: ‎11-13-2012
0

Re: Toying With Barclays


Dustink wrote:

Yes, but her apping and then adding you as an AU would not cause any problem for you (it would also do you no good).


I'm confused, neither of us are US Bank account holders so their accounts are new to us.  I thought you said no AU's at USB and we'd have to go joint.  

 

I think the situation is she can app individually or joint with me but if not joint then the individual account can NOT have an AU.  To accomplish that would require the individual account become joint (assuming that's even possible after account creation).

 

I was trying to get her in with a better rewards card and have it available to me w/o the INQ (not just because of Barclays).  It seems not possible with USB.

 

So, can she app as individual and then convert it to joint with me after the Barclays cramps subside?  I'd like to say I don't care about Barclays but right now my only other Visa or MC is a low-end Cap1 I just refuse to use.  I'd hate to lose this one just for the opportunity to get in with USB.


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.


Minor vulgarity edit --Rev



Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
0

Re: Toying With Barclays


Duncanrr wrote:
Barclays needs a "messin with Sasquatch" type of commercial Smiley Wink

ROFLAMO!!  


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: Toying With Barclays


jake619 wrote:

Dustink wrote:

Yes, but her apping and then adding you as an AU would not cause any problem for you (it would also do you no good).


I'm confused, neither of us are US Bank account holders so their accounts are new to us.  I thought you said no AU's at USB and we'd have to go joint.  

 

I think the situation is she can app individually or joint with me but if not joint then the individual account can NOT have an AU.  To accomplish that would require the individual account become joint (assuming that's even possible after account creation).

 

I was trying to get her in with a better rewards card and have it available to me w/o the INQ (not just because of Barclays).  It seems not possible with USB.

 

So, can she app as individual and then convert it to joint with me after the Barclays cramps subside?  I'd like to say I don't care about Barclays but right now my only other Visa or MC is a low-end Cap1 I just refuse to use.  I'd hate to lose this one just for the opportunity to get in with USB.


I was saying that US Bank does not report AU's to the credit bureaus. So that will not effect your credit at all. When she adds you, she just needs to make it clear that you are an AU and not a joint account holder.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Established Contributor
Posts: 869
Registered: ‎07-04-2012
0

Re: Toying With Barclays

He's asking if he can be added as an account holder later on and not get an inquiry in his report, I believe.
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.