I've been wanting to app the jet blue plus card but I'm a bit apprehensive. Stats:
Discharged Bk7 1st quarter 2017
AAoA 8 years
2 inquiries in last 12 months
Capital QS started as 500 secured opened 3rd quarter 2017 and now graduated with a limit of 4k and I revolve 6-9% monthly.
Retail card with 4k limit no balance opened 12/2017
Auto loan. financed 27,xxx and currently owe 20,xxx opened July 2017 plan to pay it off before years end.
General Fico 8:
FICO bank card score 8
Should I apply the barclays jet blue PLUS card or keep gardening?
Personally, I think you might be good to go. I have seen others approved with Barclay's with lower scores than yours. You've built positive history with two cards, on almost two years worth. Also, you've got some time under your belt since the BK7 discharged. If the card truly suits your needs, I say go for it. If declined, you can try recon and others have had success with Barclay's on recon.
Thank you for the feedback. I'm in a debate with myself because I want 3 total credit cards excluding the retail card. I know I want the JB plus card but to be honest I wont need it until December. I'm wondering if I should just grab the next card in mind (BOA cashback card) with the multiplier that I get for being platinum rewards with them. Perhaps waiting until December and aging my file with the boa card might help my chances later on WITH the jet blue plus card? Thoughts?
I have neither a BOA card (IIB) nor a Barclay's card (never had). I'm just going on others' experiences I have read about. But, I'm not so sure that BOA is easier to get into than Barclay's. But, maybe I'm wrong and someone can chime in here.
Here are some recent approvals:
Just to show some have gotten in with lower scores and chargeoffs. One got in with a BK7, although yours is a little newer than their BK.
But also, if the BOA cashback card will work in your walllet while you continue to build and strengthen your profile, that could work also.
Just saw your message. I don't have any recon threads that I can think of.
But, it could be verification, not a denial. Also, if reconning. Be honest. Tell them why you need the card. Hopefully, it works out in your favor.