topic Re: Barclaycard Reward Card Approval - What else should I go for? in Credit Card Applications

Barclaycard Reward Card Approval - What else should I go for?

Anonymous — Fri, 28 Aug 2015 14:13:26 GMT

Decided to go ahead and apply for a Barclaycard. Was Instant Approved for $1,300 limit. Thinking of possible going for one more card? Any suggestions? Here is where I am at right now for cards.

Cap One: No Hassle - $850 Limit - 0 Balance

Cap One: - $500 Limit - 0 Balance

Cap One: - $600 Limit - 0 Balance

CreditOne- $300 Limit - 0 Balance

I have some 2-3 year old open collections that I am working on paying off / getting deleted too. Scores in my sig.

My main goal really is to build up my available credit. I would really like to get a decent rewards card down the road to use for my everyday spending and just pay-in-full monthly too but I am thinking my scores are not there yet.

Re: Barclaycard Reward Card Approval - What else should I go for?

Duke84 — Fri, 28 Aug 2015 15:52:10 GMT

Have you requested doing a product change on your Capital One cards? I'd recommend going through the Executive Office for that request.

Also, have you tried getting a credit limit increase with the luv button on Cap 1's website? It would be a soft pull and if approved, would be applied instantly. I'm not familiar with CreditOne, but continuously hear bad things about them.

Re: Barclaycard Reward Card Approval - What else should I go for?

Anonymous — Fri, 28 Aug 2015 15:54:35 GMT

I did do the love button on Capital One and that got me to where I am at now I do have the option to combine cards too on the website but didnt hear about calling to try and get upgraded to a higher card! I may have to give that a shot! And yes credit one sucks but it is a positive tradeline so it will just sit around for now I guess haha.

se Re: Barclaycard Reward Card Approval - What else should I go for?

Anonymous — Fri, 28 Aug 2015 15:58:47 GMT

Also how do you get those fancy card icons in your sig?

Re: Barclaycard Reward Card Approval - What else should I go for?

SecretAzure — Fri, 28 Aug 2015 16:01:37 GMT

@Anonymous wrote:
Decided to go ahead and apply for a Barclaycard. Was Instant Approved for $1,300 limit. Thinking of possible going for one more card? Any suggestions? Here is where I am at right now for cards.

Cap One: No Hassle - $850 Limit - 0 Balance
Cap One: - $500 Limit - 0 Balance
Cap One: - $600 Limit - 0 Balance
CreditOne- $300 Limit - 0 Balance

I have some 2-3 year old open collections that I am working on paying off / getting deleted too. Scores in my sig.

My main goal really is to build up my available credit. I would really like to get a decent rewards card down the road to use for my everyday spending and just pay-in-full monthly too but I am thinking my scores are not there yet.

Call Barclay's recon line and ask for a higher limit. Tell them you're purchasing a laptop or something...say anything but ask for more. It doesn't hurt and sometimes they'll grant you mroe.

Re: se Re: Barclaycard Reward Card Approval - What else should I go for?

Duke84 — Fri, 28 Aug 2015 16:17:01 GMT

Check the Smorgasboard. There's a whole thread dedicated to it.

Combining Cap 1 cards could really help, but I'd definitely look into doing the product change with the Executive Office. You can email them and ask or give them a call.

I agree with SecretAzure. It didn't quite work with me yesterday with my Apple Card approval, but perhaps you could get a different result with your scores.

Re: Barclaycard Reward Card Approval - What else should I go for?

12njoy — Sat, 29 Aug 2015 03:57:39 GMT

@Anonymous wrote:
Decided to go ahead and apply for a Barclaycard. Was Instant Approved for $1,300 limit. Thinking of possible going for one more card? Any suggestions? Here is where I am at right now for cards.

Cap One: No Hassle - $850 Limit - 0 Balance
Cap One: - $500 Limit - 0 Balance
Cap One: - $600 Limit - 0 Balance
CreditOne- $300 Limit - 0 Balance

I have some 2-3 year old open collections that I am working on paying off / getting deleted too. Scores in my sig.

My main goal really is to build up my available credit. I would really like to get a decent rewards card down the road to use for my everyday spending and just pay-in-full monthly too but I am thinking my scores are not there yet.

You could try Walmart (Synchrony) which would likely be the store card. I'm not sure how the open collection wold factor into the equation. They usually like to see scores on TU at least 620+. That could be introduction to Synchrony which offers SP's on CLI's.

Re: Barclaycard Reward Card Approval - What else should I go for?

Anonymous — Sun, 30 Aug 2015 00:13:44 GMT

I would try regular cap one customer service first. Thats how i pc'd my platinum to a qs back when it was a 500cl. Now its 2000. It was a very simple process. No need to contact eo if not necessary.

Keep in mind Barclays can be sensitive to new accts/inquiries at times. And once you're in with Barclay, and in good standing, you'll have tons of great options for larger limits and cards.

Re: se Re: Barclaycard Reward Card Approval - What else should I go for?

Anonymous — Sun, 30 Aug 2015 00:24:11 GMT

@Duke84 wrote:
Check the Smorgasboard. There's a whole thread dedicated to it.

Combining Cap 1 cards could really help, but I'd definitely look into doing the product change with the Executive Office. You can email them and ask or give them a call.

I agree with SecretAzure. It didn't quite work with me yesterday with my Apple Card approval, but perhaps you could get a different result with your scores.

I have attempted to PC my Platinum several times on chat to no avail. What is the EO email address? I know people complain about abusing the EO, but I am pushing plenty of money through Cap One and don't feel bad contacting the EO if I have to for this.

Re: Barclaycard Reward Card Approval - What else should I go for?

SouthJamaica — Sun, 30 Aug 2015 14:47:47 GMT

@Anonymous wrote:
Decided to go ahead and apply for a Barclaycard. Was Instant Approved for $1,300 limit. Thinking of possible going for one more card? Any suggestions? Here is where I am at right now for cards.

Cap One: No Hassle - $850 Limit - 0 Balance
Cap One: - $500 Limit - 0 Balance
Cap One: - $600 Limit - 0 Balance
CreditOne- $300 Limit - 0 Balance

I have some 2-3 year old open collections that I am working on paying off / getting deleted too. Scores in my sig.

My main goal really is to build up my available credit. I would really like to get a decent rewards card down the road to use for my everyday spending and just pay-in-full monthly too but I am thinking my scores are not there yet.

I think it would be a mistake. Right now you should garden, and look for soft pull credit limit increases, or automatic increases, and chill out on applications.

Re: Barclaycard Reward Card Approval - What else should I go for?

Anonymous — Mon, 31 Aug 2015 18:39:35 GMT

Okay so a little update. I went ahead and tried for the barclaycard apple rewards card too since I do shop with them a lot for work related stuff. They approved me with a 2k credit limit! I also trie for a Kay Card mainly for when xmas time rolls around for the wife and was approved with a 5,100 credit line!! I am now going to be in the "garden" for the next year!

Re: Barclaycard Reward Card Approval - What else should I go for?

OmarGB9 — Tue, 01 Sep 2015 05:29:03 GMT

Grats

Re: Barclaycard Reward Card Approval - What else should I go for?

pennccrn — Tue, 01 Sep 2015 07:19:38 GMT

Nice and congrats ! Just my $.02, I physically "unplugged" from the credit card app game for about three years. I still used all three credit cards every month and mostly paid them in full (I did carry from time-to-time). Didn't really check my scores or anything - when I decided to "revamp" my credit card portfolio. I received limits of greater than 10K from a few issuers. Discover was the first, then AmEx follwed by Barclay. IMO, it seems that once you get "one" 10K card - most issuers fall in line, assuming no baddies. I have a few holdouts despite a long history with them ... Citi & BofA

Good luck for the future. You can only go up from here !

Re: Barclaycard Reward Card Approval - What else should I go for?

Anonymous — Tue, 01 Sep 2015 13:38:49 GMT

Thanks for the kind words!! My only problem was I kept getting told I needed more available credit because I only had about 1800 total. So now with this little app spree I jumped to over 10k available! I am happy with that and will no longer apply for any cards for a good few years I imagine. I don't care to use cards anymore since that just got me in trouble in the past but I do plan to take advantage of the rewards on two of them and pay-in-full monthly!

Re: Barclaycard Reward Card Approval - What else should I go for?

Anonymous — Tue, 01 Sep 2015 14:29:49 GMT

Glad to see you taking ownership of your financial standing! You have a great mindset and attitude!

Credit --- Where bad stuff can happen if you pay very little attention to it......but positive things will happen if you do.

Re: Barclaycard Reward Card Approval - What else should I go for?

Anonymous — Tue, 01 Sep 2015 17:09:52 GMT

Thanks!! What you say is very very true!