topic Re: Should I apply for either Amex Blue Cash Card or Barclay Arrival Plus WEMC in Credit Card Applications

Should I apply for either Amex Blue Cash Card or Barclay Arrival Plus WEMC

Anonymous — Tue, 10 Feb 2015 03:06:29 GMT

Ok first off Id like to thank everyone on here in advance for all the help I have recieved in the past from these forums. Secondly I was wondering of my approval odds because ive been having the app itch this whole week lol. So just in the past 2 months I was approved for the Cap 1 Venture 10k limit balance at 3.3k currently. Discover It approved at 4k balance 0. Total Utilization including all other cards is at 14%. I have never really had an American Express card to myself and have been always an authorized user on someone elses account ofcourse with great standing. Also on the other hand I like the Barclay Arrival plus WEMC which only pulls Transunion being my lowest inquiries at 1. What card do I have a better chance of getting at a high limit ? Is it better if i pay off my Cap1 card balance then apply? Also is it better to garden or go for it? I just dont feel like wasting an inquiry and get denied for too many new accounts. Any help would be great .

My credit scores

Experian 740 (4 Inq)

Equifax 764 (2 Inq)

Transunion 773 (1 inq)

2 Charge offs 5 years ago BOA and CHASE

BOA PAID

AAoA 3.2 years

Re: Should I apply for either Amex Blue Cash Card or Barclay Arrival Plus WEMC

Anonymous — Tue, 10 Feb 2015 03:40:44 GMT

Apply for the AMEX and the do the day 61 CLI where you might get a 3x increase. For ex if you get an initial limit of $5k, at day 61 submit for a CLI of $15k and I will likely be approved!

My amex should be here this week

Re: Should I apply for either Amex Blue Cash Card or Barclay Arrival Plus WEMC

Anonymous — Tue, 10 Feb 2015 03:48:50 GMT

What was your initial approval credit line? Did you also have new accounts within a month or two? Im just worried about them denying me based on too many new accounts (2)

Re: Should I apply for either Amex Blue Cash Card or Barclay Arrival Plus WEMC

CreditCuriosity — Tue, 10 Feb 2015 03:52:29 GMT

Err missed part of the part.. will let others answer

Re: Should I apply for either Amex Blue Cash Card or Barclay Arrival Plus WEMC

NRB525 — Tue, 10 Feb 2015 04:04:10 GMT

I doubt AMEX would deny for two accounts in two months, with the scores you have.

Is the AU AMEX still on your CR? If so that only increases the +1

Edit: And with AMEX, it is really irrelevant what beginning CL they give you. Even $1k can grow to $9k in 9 months.

Re: Should I apply for either Amex Blue Cash Card or Barclay Arrival Plus WEMC

Anonymous — Tue, 10 Feb 2015 04:42:45 GMT

Yes the AU account is still active and in good status with all payments done on time. Do you also think the 3.3k balance on the cap1 venture card of 10k would be an issue?

Re: Should I apply for either Amex Blue Cash Card or Barclay Arrival Plus WEMC

bigbang91 — Tue, 10 Feb 2015 09:01:20 GMT

@Anonymous wrote:
Yes the AU account is still active and in good status with all payments done on time. Do you also think the 3.3k balance on the cap1 venture card of 10k would be an issue?

I would worry about the baddies more than util.

Re: Should I apply for either Amex Blue Cash Card or Barclay Arrival Plus WEMC

Anonymous — Tue, 10 Feb 2015 16:52:43 GMT

@Anonymous wrote:
What was your initial approval credit line? Did you also have new accounts within a month or two? Im just worried about them denying me based on too many new accounts (2)

I had more new accounts when Amex approved me. And my scores are significantly lower than yours. Plus, since you're an AU, you'll get some backdating goodness.

Re: Should I apply for either Amex Blue Cash Card or Barclay Arrival Plus WEMC

Anonymous — Wed, 11 Feb 2015 05:37:13 GMT

So I finally decided to break the ice !! Applied and was instantly approved! However I was quite surprised with such a low CL of $2000. Was expecting more since I have other cards that make this one look small. But the good side is that Ive placed my foot into American Express officially. Feels Good!!!! Went Ahead and also applied for the Walmart Card and was approved for the Mastercard version at 5k. Good day!

Question: Does Amex usually start with low CL and work their way up? Is there a way to to increase CLI upon card activation?

Done for good now! The GARDENING HAS BEGUN!

Re: Should I apply for either Amex Blue Cash Card or Barclay Arrival Plus WEMC

xtdefy — Wed, 11 Feb 2015 06:16:41 GMT

The reason for the low CL is more than likely the baddies, despite them being 5yrs old, from all my friends that ever applied, ones with baddies got lower lines regardless of income and other current card CLs

From what I've seen on here, it's a lost cause doing a recon for a higher initial CL. Just follow the 61 day 3x Amex CLI guide and your chances of getting that to 6k after 61 days should be great

However, in regards to your Walmart card, call synchrony backdoor # tomorrow and ask for 25k they will counter to the current max

Re: Should I apply for either Amex Blue Cash Card or Barclay Arrival Plus WEMC

Anonymous — Wed, 11 Feb 2015 16:51:13 GMT

@Anonymous wrote:
So I finally decided to break the ice !! Applied and was instantly approved! However I was quite surprised with such a low CL of $2000. Was expecting more since I have other cards that make this one look small. But the good side is that Ive placed my foot into American Express officially. Feels Good!!!! Went Ahead and also applied for the Walmart Card and was approved for the Mastercard version at 5k. Good day!

Question: Does Amex usually start with low CL and work their way up? Is there a way to to increase CLI upon card activation?

Done for good now! The GARDENING HAS BEGUN!

Congrats! That's the same limit they started me with. Be sure to check your account page and see what member date they give you.

Re: Should I apply for either Amex Blue Cash Card or Barclay Arrival Plus WEMC

Anonymous — Wed, 11 Feb 2015 18:35:14 GMT

I would go with Amex

Re: Should I apply for either Amex Blue Cash Card or Barclay Arrival Plus WEMC

Anonymous — Thu, 12 Feb 2015 00:23:09 GMT

I actually got my AMEX in the mail today. Called to activate and the system sent me to a very nice lady. She told me about the rewards and asked me if I needed anything. My score on the paper work was 751. She told me to call back in 60 days and request a CLI over the phone if I wanted too. She was great and welcomed me to the family. I also found out I can pay my car ins with my AMEX with no fee. Going to do that to help me get the signup bonus

Re: Should I apply for either Amex Blue Cash Card or Barclay Arrival Plus WEMC

Anonymous — Thu, 12 Feb 2015 02:20:58 GMT

Congrats on getting your card. Mine should be here soon too. As far as member date I had called in Amex this morning after reading quite a few threads on here about backdating member since date. Anyways I was an AU on my fathers account back in 2006 and they had luckily found that and told me that they will change the date back to 2006 for the new card. Question is that I have logged into my online account a few times to check the change and it has not been changed yet. Anyone know how long it takes for them to change it online? I know they said that I will recieve a new card within 7 - 10 days which im in no rush for, but I would like to see that member date change.

Re: Should I apply for either Amex Blue Cash Card or Barclay Arrival Plus WEMC

Anonymous — Thu, 12 Feb 2015 02:30:49 GMT

I have no idea. I got my card in 4 business days btw. I'm assuming it will update in a couple of days. If it's still not done when you receive and activate your card I would call em back! congrats to you as well!

Re: Should I apply for either Amex Blue Cash Card or Barclay Arrival Plus WEMC

Anonymous — Mon, 16 Feb 2015 05:22:06 GMT

logged in the day after submission of request over the phone and the online had updated its MSD. Now just waiting for the card in the mail.