Re: Barclay CLD Q's[ Edited ]
10-21-2012 11:04 PM - edited 10-21-2012 11:05 PM
I apped for a Barclays NFL card 9/12. At the time, I got a deferred decision (status said it was under review). I called in, and they said decisions are automatically sent for manual review (deferred decision) for people who already have a Barclays card. I currently have a US Air MC, and had a Barclays rewards MC that I cancelled in July (low limit, high APR). I combined the limits on those cards to the US Air card before closing.
Anyway, while talking to the CSR, he walked why I wanted a new card, and mentioned that I had a lot of new credit (5-6 cards from June-July app spree). He approved the new card with a 5k limit, but not before warning me that I should not app for any new accounts for 'awhile' or I risk AA (closure or CLD) from them. When I asked how long "awhile" before I app again, he said 6 months.
As always, YMMV. I am laying off apping now (only did this one because $400 cash back after you spend 1k was too much to pass up). But...if I see a really good carwho on knows? LOL
CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (4), Chase (6), Nordstrom Visa,US Bank Cash+, Huntington Voice, UMB Visa, Nasa FCU Plat Cash Visa, Barclay's Visa, Citi (5), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, DC Premier MC, Macy's AMEX; A few store cards.
Current Scores: EQ My Fico (12/14): 785; TU MyFico (12/14): 793; EX (My Fico): 765; Walmart TU Fico 08 (1/2015): 788