@Anonymous wrote:
@Anonymous wrote:
I guess my real question is what is a good time frame to show enough established credit payments to start applying again? That is the one think I really can't figure out? With perfect payment, low utilization, 1 closed med collection( I can't seem to get to budge!).
Barclay states that they like to see a minimum of 12 months of history with a major credit card; however, I was able to get approved with only 6 months history with a major credit card (I had about 18 months history with 2 store cards at time of approval). The first time I applied for the NFL card and was denied, they stated it was because of a lack of experience with bankcards. I tried again for the NFL card a year later, and even though I had 2 store cards for a year at that point, they still denied me for a lack of bankcard experience. So I thought maybe I was trying for the wrong card with them, so I app'd for the Rewards card a month later - nope still denied for same reason. I gave up after that, got a Cap1 card, waited 6 months, then tried for the Ring this time - approved.
All that just to say wait until you have at least 6 months experience with a major credit card before app'ing with Barclay. For Chase, if you have more than 5 new accounts you can forget about trying for the Freedom or CSP (you may still have a shot at Slate though) - not sure about the Chase Amazon card. I was denied for that one, and I've heard it's tougher to get, but YMMV.
Good info, thanks!
