topic Re: Toying With Barclays in Credit Cards

Toying With Barclays

jake619 — Mon, 14 Jan 2013 00:55:57 GMT

I got my Barclays MC in November. 30 days later I got BCE. I did not at that time know how sensitive Barclays was to additional TL's. Question is, If my wife were to open a US Bank CASH+ account and AU me, do you think that showing up on my CR would spook Barclays?

Her credit smokes mine (always has) so no issues there.

Thanks.

Re: Toying With Barclays

Anonymous — Mon, 14 Jan 2013 01:00:14 GMT

US Bank does not report AU's. Joint holders are reported though.

Re: Toying With Barclays

jake619 — Mon, 14 Jan 2013 01:13:40 GMT

DOH! There goes that plan

I see the joint bit on the app now. Apping as joint would ding us both with an INQ plus the TL right?

Re: Toying With Barclays

Anonymous — Mon, 14 Jan 2013 01:45:08 GMT

@jake619 wrote:
DOH! There goes that plan

I see the joint bit on the app now. Apping as joint would ding us both with an INQ plus the TL right?

Yes, but her apping and then adding you as an AU would not cause any problem for you (it would also do you no good).

Re: Toying With Barclays

Duncanrr — Mon, 14 Jan 2013 01:46:16 GMT

Barclays needs a "messin with Sasquatch" type of commercial

Re: Toying With Barclays

Anonymous — Mon, 14 Jan 2013 01:46:59 GMT

I would say app jointly and not care how barclays reacts.

Re: Toying With Barclays

jake619 — Mon, 14 Jan 2013 02:14:42 GMT

@Anonymous wrote:
Yes, but her apping and then adding you as an AU would not cause any problem for you (it would also do you no good).

I'm confused, neither of us are US Bank account holders so their accounts are new to us. I thought you said no AU's at USB and we'd have to go joint.

I think the situation is she can app individually or joint with me but if not joint then the individual account can NOT have an AU. To accomplish that would require the individual account become joint (assuming that's even possible after account creation).

I was trying to get her in with a better rewards card and have it available to me w/o the INQ (not just because of Barclays). It seems not possible with USB.

So, can she app as individual and then convert it to joint with me after the Barclays cramps subside? I'd like to say I don't care about Barclays but right now my only other Visa or MC is a low-end Cap1 I just refuse to use. I'd hate to lose this one just for the opportunity to get in with USB.

Re: Toying With Barclays

Rhaeny — Mon, 14 Jan 2013 02:19:29 GMT

@Duncanrr wrote:
Barclays needs a "messin with Sasquatch" type of commercial

ROFLAMO!!

Re: Toying With Barclays

Anonymous — Mon, 14 Jan 2013 05:50:13 GMT

@jake619 wrote:
@Anonymous wrote:
Yes, but her apping and then adding you as an AU would not cause any problem for you (it would also do you no good).
I'm confused, neither of us are US Bank account holders so their accounts are new to us. I thought you said no AU's at USB and we'd have to go joint.

I think the situation is she can app individually or joint with me but if not joint then the individual account can NOT have an AU. To accomplish that would require the individual account become joint (assuming that's even possible after account creation).

I was trying to get her in with a better rewards card and have it available to me w/o the INQ (not just because of Barclays). It seems not possible with USB.

So, can she app as individual and then convert it to joint with me after the Barclays cramps subside? I'd like to say I don't care about Barclays but right now my only other Visa or MC is a low-end Cap1 I just refuse to use. I'd hate to lose this one just for the opportunity to get in with USB.

I was saying that US Bank does not report AU's to the credit bureaus. So that will not effect your credit at all. When she adds you, she just needs to make it clear that you are an AU and not a joint account holder.

Re: Toying With Barclays

Anonymous — Mon, 14 Jan 2013 13:30:45 GMT

He's asking if he can be added as an account holder later on and not get an inquiry in his report, I believe.

Re: Toying With Barclays

jake619 — Mon, 14 Jan 2013 15:33:26 GMT

@Anonymous wrote:
He's asking if he can be added as an account holder later on and not get an inquiry in his report, I believe.

Both

I was unaware USB did not report AU's. That clears up my confision on that point.

Secondary question was about her apping as individual and then later converting to joint generating an INQ on my CR and if it was even possible.

My apology for less than clear writing.

Re: Toying With Barclays

Anonymous — Mon, 14 Jan 2013 16:25:39 GMT

@jake619 wrote:
@Anonymous wrote:
He's asking if he can be added as an account holder later on and not get an inquiry in his report, I believe.
Both

I was unaware USB did not report AU's. That clears up my confision on that point.

Secondary question was about her apping as individual and then later converting to joint generating an INQ on my CR and if it was even possible.

My apology for less than clear writing.

Yes, I think adding you later as a joint would be reflected on your credit. I would recommend that you just apply jointly with a combined income and take the hit now.

Re: Toying With Barclays

CreditCrusader — Mon, 14 Jan 2013 22:14:20 GMT

@Duncanrr wrote:
Barclays needs a "messin with Sasquatch" type of commercial