am I ready for Barclay Ring?

[maiden_girl]

I know this card offers NO rewards but I feel this card will be quite beneficial to me in the coming months and years. My current credit scores as of April are in the low 700s. I'm wondering if I should apply now or if I should wait until my CR updates with my current balances as I have made a significant amount of payments. My current UTL is around 12-16% and my AAoAs is 2 years. Also my last inquiry was 6 months ago (auto loan shopping).

[tcbofade]

You're probably fine either way, but if you've already made the payments to lower your util, I would wait until the CRA's report that.

It certainly cannot HURT, and MAY help you get a larger credit line.

Good luck!