Barclays re-app?

[stagefoursurvivor]

Anyone know or have experience with their timeline to re-apply?

I was declined first week in Dec before allowing my CRs, scores, etc to recalibrate and applied for Ring, which I now understand is more difficult.

[Anonymous]

---

@stagefoursurvivor wrote:

Anyone know or have experience with their timeline to re-apply?

I was declined first week in Dec before allowing my CRs, scores, etc to recalibrate and applied for Ring, which I now understand is more difficult.

---

6 months.

[CreditCuriosity]

What is your TU fico and how many inquires and new accounts?  They probably wouldnt even pull your credit, you would probably be instantly declined if you re-apped again.. You would have to call in probably..

[stagefoursurvivor]

---

@CreditCuriousity wrote:

What is your TU fico and how many inquires and new accounts?  They probably wouldnt even pull your credit, you would probably be instantly declined if you re-apped again.. You would have to call in probably..

---

TU FICO? 643-677?

About 10 new revolvers

1 INQ

[Anonymous]

---

@stagefoursurvivor wrote:

---

@CreditCuriousity wrote:

What is your TU fico and how many inquires and new accounts?  They probably wouldnt even pull your credit, you would probably be instantly declined if you re-apped again.. You would have to call in probably..

---

TU FICO? 643-677?

About 10 new revolvers

1 INQ

---

I'd wait.

I only got mine because I recon several times.

[CreditCuriosity]

Honestly just don't see the ring happening with that TU score...  Give it 6 months as Nixon stated and around a 700 TU score.. Just my opinion.   Rewards card maybe, but not the ring..  Even the rewards vs. RING would be hard to get with 10 new accounts.. Barclay's does not like new acccounts, especially 10..

[Anonymous]

---

@stagefoursurvivor wrote:

---

@CreditCuriousity wrote:

What is your TU fico and how many inquires and new accounts?  They probably wouldnt even pull your credit, you would probably be instantly declined if you re-apped again.. You would have to call in probably..

---

TU FICO? 643-677?

About 10 new revolvers

1 INQ

---

Barclays is very sensitive to new accounts.  If I were in your shoes, i'd let the account age at least 6 months as Nixon suggested to be on the safer side.  By that time, your scores although good, should also increase giving you a much bigger limit should you get approved.  

[TRC_WA]

---

@Anonymous wrote:

---

---

I'd wait.

I only got mine because I recon several times.

---

I only got my Sallie Mae because of the 16 month history with the Apple card.

I had 22 INQ's on TU... 20 from 2013 due to me setting up my credit profile after discharge, and 2 in 2014 from BECU for my CLI and car refi.

No new CC accounts in 2014.  TU was 665.

That must have played a big part.. because the INQs obviously didn't.... due to age.  I'll be sitting pretty next year when the 20 INQs are gone...  ALL my creditors that gave me accounts in 2013 pulled TU... save for CapOne which pulled all 3.   That also explains why TU is my lowest score. 

[stagefoursurvivor]

Thanks guys!

I'll wait, don't want anymore cards with sub-$3K CLs even if approved

[Anonymous]

---

@stagefoursurvivor wrote:

Thanks guys!

I'll wait, don't want anymore cards with sub-$3K CLs even if approved

---

Excellent- Patience in the credit game is everything.  If this helps, I just apped with 3 inquiries on TU and got approved for the Salliemae card for $13,200 credit line.  Patience and strategy is key.  All the best.