topic Re: Thoughts on 2nd Barclay's card? - Upromise in Credit Cards

Thoughts on 2nd Barclay's card? - Upromise

CreditCuriosity — Mon, 03 Nov 2014 15:32:57 GMT

Anyone have thoughts if I would get approved for my 2nd Barclay's card.. Thinking about the Sallie Mae - Upromise card to be the second one. Got approved for the Barclay's rewards two months ago with a 4k limit and put about 1200 through and PIF and two statements have closed. TU score about 680ish w/14 HP's .. No new credit since I get the last Barclays rewards card.

I keep getting emails form Sallie Mae to apply for the Upromise card, doubt they are from barclay's and offering me a 75 signup bonus after first use or something similiar. The card is kinda attractive to me due to the restraunts among a few other things along with me still having student loans and to help knaw away at them as well being the rewards just put to me outstanding student loans.

Think barlcay's would approve at this point or denial since not 6 months with them?

Other stats <10% CC util, only 1 card with about a 200 balance for util purposes, etc, 100k+ income, 14 Hp's TU although alot about to fall off 4 are with barlcay's originally trying to and finally getting in with them., AAOA > 6 years, some baddies still but not biggies.

Reason I was thinking of one last card was to pad my utilization for Christmas season and actually could use this card, vs. an amazon store type card.

Re: Thoughts on 2nd Barclay's card? - Upromise

1GaDawg85 — Mon, 03 Nov 2014 15:43:40 GMT

I wouldn't think you could be approved with a second account with them but they could surprise you

Re: Thoughts on 2nd Barclay's card? - Upromise

Anonymous — Mon, 03 Nov 2014 17:09:28 GMT

I would wait.

I got my Arrival+ from them 8 months ago and was declined a SallieMae card because they stated they wanted to see how I handled the Arrival card first.

Anyway, I re-applied at about the 7 month period for both SallieMae and Upromise and was accepted for both with no hassle at all. Before then I was charging a lot on the Arrival card (paid for a vacation I took in the summer with it) and letting some of the balance carry over (0% interest for 12 months) but making big payments every week to make sure I was never over 50% utilization.

Anyway, just wait a bit longer and apply for another Barclays product after about your 6 or 7th statement drops.

Re: Thoughts on 2nd Barclay's card? - Upromise

Desmoire — Mon, 03 Nov 2014 17:20:30 GMT

@CreditCuriousity wrote:
Anyone have thoughts if I would get approved for my 2nd Barclay's card.. Thinking about the Sallie Mae - Upromise card to be the second one. Got approved for the Barclay's rewards two months ago with a 4k limit and put about 1200 through and PIF and two statements have closed. TU score about 680ish w/14 HP's .. No new credit since I get the last Barclays rewards card.

I keep getting emails form Sallie Mae to apply for the Upromise card, doubt they are from barclay's and offering me a 75 signup bonus after first use or something similiar. The card is kinda attractive to me due to the restraunts among a few other things along with me still having student loans and to help knaw away at them as well being the rewards just put to me outstanding student loans.

Think barlcay's would approve at this point or denial since not 6 months with them?

Other stats <10% CC util, only 1 card with about a 200 balance for util purposes, etc, 100k+ income, 14 Hp's TU although alot about to fall off 4 are with barlcay's originally trying to and finally getting in with them., AAOA > 6 years, some baddies still but not biggies.

Reason I was thinking of one last card was to pad my utilization for Christmas season and actually could use this card, vs. an amazon store type card.

I have had my barclay rewards for a year, and had a balance of 1000/2150. I applied for sally mae last week and was approved for $500 with the score in my siggy, called the recon line and they raised it to 2850. Their recon department is very friendly, even if you get denied I would call them. As long as you have a good response to their questiosn--"I see you a lot of INQ on your report, can you explain that please" You will most likely get approved.

However my case was different as I already have a year long relationship with them, and that was one of the positives he said when reviewing my report. YMMV of course..

Re: Thoughts on 2nd Barclay's card? - Upromise

CreditCuriosity — Mon, 03 Nov 2014 17:33:06 GMT

Thanks for the advise all. I can wait until 6 statements cut and also see if i get an auto CLI increase on my exisiting card with them and that way pretty much a shoe in after 6 months for another card w/decent limit. I will wait w/regards to them.

Re: Thoughts on 2nd Barclay's card? - Upromise

CreditMagic7 — Mon, 03 Nov 2014 17:44:01 GMT

@Anonymous wrote:
I would wait.

I got my Arrival+ from them 8 months ago and was declined a SallieMae card because they stated they wanted to see how I handled the Arrival card first.

Anyway, I re-applied at about the 7 month period for both SallieMae and Upromise and was accepted for both with no hassle at all. Before then I was charging a lot on the Arrival card (paid for a vacation I took in the summer with it) and letting some of the balance carry over (0% interest for 12 months) but making big payments every week to make sure I was never over 50% utilization.

Anyway, just wait a bit longer and apply for another Barclays product after about your 6 or 7th statement drops.

Same just happened on this end. Only had Rewards MC for 3 months and last week was declined X2 recon attempts citing the same issue plus my other 14 new accounts just this year . I'm just as BOLD as they are STRICT on that

Of course they have the final decision.

Re: Thoughts on 2nd Barclay's card? - Upromise

CreditCuriosity — Mon, 03 Nov 2014 17:52:35 GMT

Damnit just got another targeted email now 100$ signup bonus they are making it tough, but I will withhold for 6 months...curse them. Went from 50 to 75 to 100, lol

Re: Thoughts on 2nd Barclay's card? - Upromise

CreditMagic7 — Mon, 03 Nov 2014 17:57:59 GMT

@CreditCuriousity wrote:
Damnit just got another targeted email now 100$ signup bonus they are making it tough, but I will withhold for 6 months...curse them. Went from 50 to 75 to 100, lol

Whatta ya going do when they send $125-$150 etc?

Re: Thoughts on 2nd Barclay's card? - Upromise

1GaDawg85 — Mon, 03 Nov 2014 18:01:08 GMT

@CreditCuriousity wrote:
Damnit just got another targeted email now 100$ signup bonus they are making it tough, but I will withhold for 6 months...curse them. Went from 50 to 75 to 100, lol

it will be 200 before long....

Re: Thoughts on 2nd Barclay's card? - Upromise

CreditCuriosity — Mon, 03 Nov 2014 18:02:20 GMT

LOL, might have to call and ask for a PC change without a HP and ask for the signup bonus....Worth a try isnt it?. Not going to fall for it, although would love two cards with them taking advise and waiting at least 6 months with them!

Re: Thoughts on 2nd Barclay's card? - Upromise

Anonymous — Thu, 06 Nov 2014 01:43:30 GMT

@CreditCuriousity wrote:
Anyone have thoughts if I would get approved for my 2nd Barclay's card.. Thinking about the Sallie Mae - Upromise card to be the second one. Got approved for the Barclay's rewards two months ago with a 4k limit and put about 1200 through and PIF and two statements have closed. TU score about 680ish w/14 HP's .. No new credit since I get the last Barclays rewards card.

I keep getting emails form Sallie Mae to apply for the Upromise card, doubt they are from barclay's and offering me a 75 signup bonus after first use or something similiar. The card is kinda attractive to me due to the restraunts among a few other things along with me still having student loans and to help knaw away at them as well being the rewards just put to me outstanding student loans.

Think barlcay's would approve at this point or denial since not 6 months with them?

Other stats <10% CC util, only 1 card with about a 200 balance for util purposes, etc, 100k+ income, 14 Hp's TU although alot about to fall off 4 are with barlcay's originally trying to and finally getting in with them., AAOA > 6 years, some baddies still but not biggies.

Reason I was thinking of one last card was to pad my utilization for Christmas season and actually could use this card, vs. an amazon store type card.

Good grief! You got them to budge with 14 INQ's on your TU?

I guess they really DO care more about previous default (even if you've been an angel since then), than they do about INQ's.

Re: Thoughts on 2nd Barclay's card? - Upromise

CreditCuriosity — Thu, 06 Nov 2014 02:01:31 GMT

@Anonymous wrote:
@CreditCuriousity wrote:
Anyone have thoughts if I would get approved for my 2nd Barclay's card.. Thinking about the Sallie Mae - Upromise card to be the second one. Got approved for the Barclay's rewards two months ago with a 4k limit and put about 1200 through and PIF and two statements have closed. TU score about 680ish w/14 HP's .. No new credit since I get the last Barclays rewards card.

I keep getting emails form Sallie Mae to apply for the Upromise card, doubt they are from barclay's and offering me a 75 signup bonus after first use or something similiar. The card is kinda attractive to me due to the restraunts among a few other things along with me still having student loans and to help knaw away at them as well being the rewards just put to me outstanding student loans.

Think barlcay's would approve at this point or denial since not 6 months with them?

Other stats <10% CC util, only 1 card with about a 200 balance for util purposes, etc, 100k+ income, 14 Hp's TU although alot about to fall off 4 are with barlcay's originally trying to and finally getting in with them., AAOA > 6 years, some baddies still but not biggies.

Reason I was thinking of one last card was to pad my utilization for Christmas season and actually could use this card, vs. an amazon store type card.
Good grief! You got them to budge with 14 INQ's on your TU?

I guess they really DO care more about previous default (even if you've been an angel since then), than they do about INQ's.

Alot of those 14 inquires are with 1) Barclay's 2) Auto loan shopping.... Plus alot of them are 10+ are well over a year old. I have a pretty thick TU file as well, meaning multipes house I have owned, at least 4 cars or so, etc, etc, etc. I havent opened a new account other then the Barclay's in about a year as well, so sure that played a role as well. Next year is when I am going to hit alot of lenders hard for new CC's, Barlcay's being one of them after the first card is 6-7 months old for another line

Re: Thoughts on 2nd Barclay's card? - Upromise

bk510 — Thu, 06 Nov 2014 02:03:29 GMT

@Desmoire wrote:
@CreditCuriousity wrote:
Anyone have thoughts if I would get approved for my 2nd Barclay's card.. Thinking about the Sallie Mae - Upromise card to be the second one. Got approved for the Barclay's rewards two months ago with a 4k limit and put about 1200 through and PIF and two statements have closed. TU score about 680ish w/14 HP's .. No new credit since I get the last Barclays rewards card.

I keep getting emails form Sallie Mae to apply for the Upromise card, doubt they are from barclay's and offering me a 75 signup bonus after first use or something similiar. The card is kinda attractive to me due to the restraunts among a few other things along with me still having student loans and to help knaw away at them as well being the rewards just put to me outstanding student loans.

Think barlcay's would approve at this point or denial since not 6 months with them?

Other stats <10% CC util, only 1 card with about a 200 balance for util purposes, etc, 100k+ income, 14 Hp's TU although alot about to fall off 4 are with barlcay's originally trying to and finally getting in with them., AAOA > 6 years, some baddies still but not biggies.

Reason I was thinking of one last card was to pad my utilization for Christmas season and actually could use this card, vs. an amazon store type card.
I have had my barclay rewards for a year, and had a balance of 1000/2150. I applied for sally mae last week and was approved for $500 with the score in my siggy, called the recon line and they raised it to 2850. Their recon department is very friendly, even if you get denied I would call them. As long as you have a good response to their questiosn--"I see you a lot of INQ on your report, can you explain that please" You will most likely get approved.
However my case was different as I already have a year long relationship with them, and that was one of the positives he said when reviewing my report. YMMV of course..

I too have had my Barclay Reward for a year, actually my 12th statement will be cut on 11/8.... I have a balance of 1000/2400 and apped for apple card and received a letter stating that " too many inq " but did not pull my report so therefore didnt have the chance to recon.

Is this sound familiar, where they dont pull your report and just send you a letter with too many inq...........