Apply for 'too good' card? Barclays

[jesseh]

Hi all,

I'm up to apply for a new credit card. I was wondering, should I apply for the Barclays card I expect to be approved for, or should I apply for a better card and in case I get declined reapply for the normal card and ask them to not pull my credit again?

I expect to be approved for the Rewards card (CK says FICO's starting from just 590 are approved), but the Arrival card has better benefits for me.

Thanks

Sincerely

[Anonymous]

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@jesseh wrote:

Hi all,

I'm up to apply for a new credit card. I was wondering, should I apply for the Barclays card I expect to be approved for, or should I apply for a better card and in case I get declined reapply for the normal card and ask them to not pull my credit again?

I expect to be approved for the Rewards card (CK says FICO's starting from just 590 are approved), but the Arrival card has better benefits for me.

Thanks

Sincerely

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What is your actual FICO?

[jesseh]

I don't know, I have 2 credit cards, 9mo old, 1 INQ, good payment history and <10% util.

[Anonymous]

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@jesseh wrote:

I don't know, I have 2 credit cards, 9mo old, 1 INQ, good payment history and <10% util.

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@jesseh,

FICOs are what most companies use.  Don't use CK scores when deciding to apply.  If you are interested in knowing what your ficos are, you can get them after paying from this site.

[jesseh]

Got it, I'll look into the FICO score.

In the meantime, could it hurt to apply for a card you might get declined for and then try to call recon and tell them a less rewarding card is okay too?

[Anonymous]

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@jesseh wrote:

Got it, I'll look into the FICO score.

In the meantime, could it hurt to apply for a card you might get declined for and then try to call recon and tell them a less rewarding card is okay too?

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Why settle for less?

[Anonymous]

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@jesseh wrote:

Got it, I'll look into the FICO score.

In the meantime, could it hurt to apply for a card you might get declined for and then try to call recon and tell them a less rewarding card is okay too?

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@jesseh,

Never ever do that and not a good idea.  Before you apply for the card, check what your fico scores are before pressing submit on any application.  If you apply and get denied, the inquiry will be on your report for 2 years and you'd have nothing for it.  Is the card you are applying for a "need" or "want". If you can wait after getting everything in order will help.  Start by getting your ficos, collect data on people who have been approved as to what their scores were etc.  Another way to do further research check the credit database and it will give you a general idea of why people where decline, limits etc. 

[Anonymous]

Hello,

Just want to know where to find this info.

Someone has stated "Another way to do further research check the credit database and it will give you a general idea of why people where decline, limits etc." 

[Anonymous]

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@Anonymous wrote:

Hello,

Just want to know where to find this info.

Someone has stated "Another way to do further research check the credit database and it will give you a general idea of why people where decline, limits etc." 

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Can't link it here but Google 'credit pulls database'

[Anonymous]

Got it, wow...very sophisticated!!

Thank you.