topic 2 cards with one HP with barclay? in Credit Card Applications

2 cards with one HP with barclay?

Anonymous — Fri, 11 Mar 2016 22:09:48 GMT

Will it be the same HP if you app for 2 cards with barclay on the same day, if the first was approved?

Re: 2 cards with one HP with barclay?

jeffm4688 — Fri, 11 Mar 2016 22:56:50 GMT

Barclays HP's show up the same, so generally the answer is yes(although I nor anyone else can guarantee this). I've only seen synchrony uniquely code HP's to each card generally from experience.

However, getting barclays to approve 2 cards in the same day will probably be the struggle

Re: 2 cards with one HP with barclay?

Themanwhocan — Sat, 12 Mar 2016 02:36:56 GMT

I tried that once. Second application was held 10 days, they then pulled a different credit bureau. FICO score on second bureau was 9 points higher, in spite of the first Barclay card already appearing on reports. Then they denied the second application.

But you might have completely different results. Perhaps...

Re: 2 cards with one HP with barclay?

kdm31091 — Sat, 12 Mar 2016 03:01:08 GMT

They almost never approve someone for 2 accounts in one day anyway, so the question is kind of moot, but IF you can get two instant approvals than yes the HPs would probably be merged (no guarantee).

However the chances are pretty low that this will occur. They tend to want history on one account before issuing another. Barclay's was years ago much more lax and would give people 4 approvals in one day. But now, if you apply for a second card before 3-6 months with the first card, there's about a 98% chance of having to recon, and probably not getting approved. YMMV.

Re: 2 cards with one HP with barclay?

Anonymous — Sun, 13 Mar 2016 02:41:28 GMT

Barclays is a beast they will do a hard pull just to reallocate limits if you are not careful. That is awesome that they just let one rest and poke you in another bureau.