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Got an approval--rebuilding

New Contributor

Got an approval--rebuilding

I have been working pretty hard on my credit for the past 6 months, have 2 secure credit cards and getting rid of baddies...anyhow today I got approved for a Barclay Texans card with 12months 0%apr and a limit of $500. This is my first approval for a CC in years...I am realyl excited. I am thiking about adding my husband to it so that it can also build his credit---also wondering if I should seek a credit limit increase or just leave it?? Hoping the additional card will continue to help my score grow!!

In My Wallet: Barlclay NFL $4500 | Capital One Secured $300 | First Progress Secured $300| Walmart $600| New York & Company $500| Kohls $300| Discover IT $3000| Sears Citi|$4000|Walmart $800
First car lease $370 month August 2013
Signed First Mortgage August 2013
Starting Score: 581 EQ
Current Score: 658 EQ
Goal Score: 750
Message 1 of 5
4 REPLIES
Valued Contributor

Re: Got an approval--rebuilding

I would wait 6 months before asking for a CLI. Congrats!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 2 of 5
Valued Contributor

Re: Got an approval--rebuilding

Congrats, let it grow some! Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 3 of 5
Moderator Emeritus

Re: Got an approval--rebuilding

Stick that thing in the garden for 6 months.  Remember Barclay's is really sensitive to new accounts.  Awesome job.  Congrats!  Oh, and yes, add him.  Smiley Happy

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 5
Established Contributor

Re: Got an approval--rebuilding

+1 and Congrats

Message 5 of 5