No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
@Anonymous
Thanka!
What was the SL? That is my main concern is that the 3 accounts she added in the last 24 months are all only 4 months old. So 3 accounts in the last 12 months. Her report is clean except for some old late pa6ments from an auto loan from 6.1 years ago. They drop off some. I am worried about the new accounts more than the lates. I told her just pull the trigger tonight and if they decline then "It is what it is" lol. Let the lates age odd and let the new accounts get older.
@Anonymous
No harm in just trying for it. SL was $8k which was kinda surprising since that's my highest individual limit and I have no history with Barclays. Previous was Discover at $6.2K. I would probably worry about the new accounts more too. I'm trying to get a couple US Bank cards next and I hear they're even harder than Barclays
It's only a TU pull after all. There are fewer TU pullers out there it seems so it may or may not be anything to really worry about. I wish there were more reliable TU pullers since it is my highest score and will be the first to be 100% clean.
Rejection sucks of course though. Good luck to her and you.
That is so true. I told her it is only 1 inquiry if it is a denial. I wish more places besides Apple Card and Barclay's pulled only TU.
@Anonymous wrote:That is so true. I told her it is only 1 inquiry if it is a denial. I wish more places besides Apple Card and Barclay's pulled only TU.
Yup, there is Sync and NFCU but not much else that I am aware of.
@Anonymous
It does sometimes depend on location. Experian is most common where I live, but US Bank pulls TU and nothing else