Will like One More CC Advice Needed

[DreaIYIs]

Been rebuilding since the begining of this year and like to add one more cc.

Credit profile- fico scores are currently eq-628 tu-595 ex-628, aaoa 2.8 years, 1 baddie-midland cant get rid of,inqs in the past year eq-0 tu-0 ex-2,ulit-5%

Currently have a cap 1 platinum unsecured cc cl $500 and  a 1st progress secured cc cl$400 about 2 months old.my capital one cc lates are killing me about 7 in 2012

I want to app for the baclay rewards card but my tu score is my lowest score but should get a boost on all 3 three cb's  waiting for my cap 1 card to report for july hasnt yet for some odd reason. The reason i want to app for this cc i really feel that it can grow with me i know it will lower my score and aaoa but im willing to take that because i dont plan on apping for anything intill after 2014 will give me two years of on time payments and currently sitting at 7 months on time payments. The reason why i wanna app for a 3 decent card is so it grow with me and get cli's so went i do go to app for my prime cards they want give me super low cl. I really dont see any other cards credit one and first premier is not gonna grow with me.Plan on apping for the barclays rewards mc the end of septemeber or any advice

[llecs]

If I had that I would nix the Barclays app. I'd use this time to focus on repair, let AAoA hit 3, and then app. Your odds will increase of being approved and when approved you'll more apt to see a higher CL.

[DreaIYIs]

Never knew your aaoa can determine your cl i thought it was base on your payment history and a couple of other things never thought aaoa will be a factor

[myjourney]

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@DreaIYIs wrote:

Never knew your aaoa can determine your cl i thought it was base on your payment history and a couple of other things never thought aaoa will be a factor

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There are many factors that go into an approval and the limits you get.

AAoA

INQ's recent and over a 2 year period

Scores

Baddies

History (payments)

Other card limits

Thin or thick files

IMO you should garden for another 6 months while aging INQ's, AAoA, increasing scores.

You stand a much higher chance of approval and larger limits