Have 3 Cap1 and a Discover IT.... Itching for Barclay,,, but have questions

[pi-r-squared]

Here is my lineup from high to low CL with current balances

Lowe's $30K            $9300 @ special 5.99% until paid off   

Venture $28K           $4100 @ 13.24%

Discover IT $18K     $5100 @ 0% intro

QS $10K                 $2000 @ 0% intro

Venture $5K                  $0 @ 23.24%      (born yesterday)

So overall, that around 22% Util

My latest FICO scores are 719 EQ, 715 TU, and 713 EX.

How would that makes me look in the eyes of Barclaycard?  Especially for either the Rewards, Cashforward, or Ring?

[Creditplz]

How many Inq do you have?

[Anonymous]

Your scores and higher limits are a good thing.  Make sure you inquiries are kind of low.  I did have 4 at the time I app'd on TU.  And had the higher CL's like you and got the Ring for 15k SL.  I think you're good as long as you don't have a bunch of inquiries. 

[pi-r-squared]

MyFICO will show the following inquiries (including my new Venture):

EQ: 3
TU: 3
EX: 5

Credit Karma will say this: (I guess MyFICO only shows the newer ones?)

EQ: 7
TU: 6

[pi-r-squared]

Another factor to consider. My BK-7 will finally fall off EQ and EX by July! It was removed early by TU but 2 collections from 2011 will remain until 2018! No collections on the others so I can only assume big score jumps by then. Maybe wait until July?

[pipeguy]

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@pi-r-squared wrote:

Here is my lineup from high to low CL with current balances

@Anonymous's $30K            $9300 @ special 5.99% until paid off   

@Anonymous $28K           $4100 @ 13.24%

@discover IT $18K     $5100 @ 0% intro

@Anonymous $10K                 $2000 @ 0% intro

@Anonymous $5K                  $0 @ 23.24%      (born yesterday)

So overall, that around 22% Util

My latest FICO scores are 719 EQ, 715 TU, and 713 EX.

How would that makes me look in the eyes of Barclaycard?  Especially for either the Rewards, Cashforward, or Ring?

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Note that the Lowes card will report as a "retail" tradeline rather than bank card which does not change your over all utility, but it's considered different as far as scoring - not sure what weight FICO puts on each, but having experience with the Lowes promotional financing, I know that they report differently each month. My assumption is that bankcards carry more weight, but I can't say for sure. Note my limit for Lowes is the same $30k and my special financing amount is similar (currently $4400, was $9500). 

[daveg38]

MyFico only weighs INQs from the last 12 months.  Meaning those at 13 months aren't used in their scoring system.