I'm wondering what my approval odds would be for the Aviator Red from Barclays, as I will be abroad for awhile and would like a card that doesn't charge FTF's, is involved in a points-based system (as opposed to cash back), and is accepted abroad as I primarily use Amex. My stats are as follows:
AAoA: 8 months
TU: 713 (from Discover)
EXP: 706 (from Amex)
Equifax: 726 (from Credit Karma using VantageScore, so a little different than my FICO's)
A few baddies from over 2 years ago.
I have opened 4 new accounts within the last year, 3 within 6 months.
It's my understanding that Barclay's only pulls TU if I'm not mistaken? Based off my data (i.e. how many new accounts I have), do you think that I should start gardening, or apply for one more card?
Also, are there any downgrade paths for this card? I see a variety of cards on AA's website, but they are not to be found on Barclays. Just want to double check if I could actually downgrade to them
Your file is a bit thin. I would garden and age your accounts. My brother just got denied for this card yesterday with 1 year AAoA and TU score of 758.