Credit Cards

[joeyh2007]

I posted 4 days ago about being approved for their Apple Financing card. I checked Citi's Identity Monitor this morning to see that Barclays is already reporting my new TL. That's great for me because it shows $2500 extra credit to lower my util quicker than I thought. Finally after paying off some balances and getting new cards, I lowered my util to 40% with a total of $13,000 credit total plus my Amex Zync.

Actually I wanted to know if anyone else has seen this from barclays before since this is really fast and I'm still waiting for my discover to appear and its 45 days old already.

[LS2982]

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joeyh2007 wrote:

I posted 4 days ago about being approved for their Apple Financing card. I checked Citi's Identity Monitor this morning to see that Barclays is already reporting my new TL. That's great for me because it shows $2500 extra credit to lower my util quicker than I thought. Finally after paying off some balances and getting new cards, I lowered my util to 40% with a total of $13,000 credit total plus my Amex Zync.

Actually I wanted to know if anyone else has seen this from barclays before since this is really fast and I'm still waiting for my discover to appear and its 45 days old already.

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Mine reported 2 days after I opened it with EX, a couple days later on EQ/TU.

[joeyh2007]

Exactly, it reported to EX first.

[Open123]

It's great to lower utility, but horrible during app sprees!  

[LS2982]

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Open123 wrote:

It's great to lower utility, but horrible during app sprees!  

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I think that's YMMV, as long as your treating them and the other accounts good and no recent derogs they will leave you alone.

[youngandcreditwrthy]

That's how it was when I got my Travelocity Amex w Barclay's; within a day of my recon call, the account appeared on all three reports with my initial credit line, and the soft inquiries from the recon showed also!

Weird though... Had Chase Freedom over two weeks now... First statement at $0, due 9-17-12, and is NOT showing on my CRs:-/

It seems like everything lenders do is risk-correlated...like delaying reporting to keep your score lower/make you seem riskier.

[jsucool76]

Don't feel too bad. My cap1 just reported avout a weel after my second statement :-)

[jordanmedical]

My Cap One first reported a few days after my 2nd statement too, they are super slow.

[CruzImperial]

Barclays reports very very fast. 1 week for me in TU

[LilNYC]

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youngandcreditwrthy wrote:
That's how it was when I got my Travelocity Amex w Barclay's; within a day of my recon call, the account appeared on all three reports with my initial credit line, and the soft inquiries from the recon showed also!

Weird though... Had Chase Freedom over two weeks now... First statement at $0, due 9-17-12, and is NOT showing on my CRs:-/

It seems like everything lenders do is risk-correlated...like delaying reporting to keep your score lower/make you seem riskier.

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My Chase Freedom started reporting to all 3 bureaus really quickly, before they even mailed my first statement! I literally found out my min. pament amt from my Eperian credit report.