Chase vs Barclay

[SecretAzure]

OP as you're probably going to choose CSP as many here will lead you to choose it and it is probably a little easier to obtain, I recommend Barclay's Ring card for non-travel. It has a very low APR (8.00%), $0 balance transfer, and only a 1% transaction fee for foreign transactions. 

[cam2103]

One mortgage, three auto loans, two store cards (Ethan Allen and Havertys through Synchrony Bank CL $9,000 balance $3k and $6k with a balance of $1.3k, one CC through Capitol One CL $2.5k and one Credit union secured card CL$750.

[cam2103]

Trying to figure this site out on my iPhone, I ment to answer the question of my credit profile with the above.

[ecxpa]

---

@cam2103 wrote:
One mortgage, three auto loans, two store cards (Ethan Allen and Havertys through Synchrony Bank CL $9,000 balance $3k and $6k with a balance of $1.3k, one CC through Capitol One CL $2.5k and one Credit union secured card CL$750.

---

you may want to wait until your score gets up to the 700 you are expecting.....I think even then you may have a hard time getting either since you are carrying balances on most of your accounts.....I know Barclays doesn't like " too many accounts with balances"

[Anonymous]

I just got the CSP and decided to go for it over Barclay for three reasons:

1) Barclays has a lot of bad reviews for initiating fraud alerts and blocking transactions when using for international travel.  I know a lot of friends that have Chase cards/CSP and use them frequently for international travel and have never encountered a problem.

2) Barclays pulls TU and Chase pulls Experian and my TU is my lowest score by almost 100 points.  This turned out to be a non-issue as Chase double pulled my TU and Experian, but I got approved and got the Freedom on the same pulls, so it worked out for me.  

3)Chase has a pre-qualify on their site, Barlcays no longer offers this.

My scores for CSP:

TU - 688

Eq - 703

Exp - 778

Util - 4%

AAoA - +12 years

I still have some late pays from an old account (2010-2011) on my file, but got approved instantly on-line for CSP and Freedom.  I had pre-qualify for both on the Chase site.

[bch238]

---

@CreditCuriousity wrote:

Chip and pin or sig?  Always thought it was sig?

---

It's chip and signature, not PIN.