Just How Sensitive is Barclay?

[Anonymous]

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@Anonymous wrote:

I took 3 Hps today ( 2 EQ 1TU EX: unknown).

I was thinking of adding an Amex ED card in for the AAOA pading since I have a 2014 MSD. Soft pull on decline, etc.

Barclay just gave me a $10k limit on my SallieMae a few hours ago. 

How likly is it that they drop the hammer with ONE more APP?

I kinda want to do this now to get near maximum return on the back date as adding 3 cards to a short AAOA is going to be a huge score drop. Lost 6 points due to INQS alone.

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I just got done with a spree adding 10 cards and around $160K in limits and so far nobody has blinked, including Barclay, as far as any actions. Although the last card's interest rate wasn't the lowest available. Actually it's about 8% higher, once the 0% goes away it's into the sock drawer with it.

Stuff is still trickling in so I'm only down about 15 points or so. In a couple of months I'll start combining CLs where I can and winnow the number of cards down a bit.

[Ragelog]

I have added 9 revolving credit lines since June 2014 when I opened my Barclays I received a Auto CLI in December I always PIF.

[Anonymous]

Seems like the consensus is that Barclay only gets spooked if you start running up balances while opening new cards. Seems reasonable. Whether or not I have the courage to app amex ED is another issue.

Started reading that it's not always a SP on denial as a member.

[Anonymous]

any updates?

[weehoo]

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@Anonymous wrote:

I took 3 Hps today ( 2 EQ 1TU EX: unknown).

I was thinking of adding an Amex ED card in for the AAOA pading since I have a 2014 MSD. Soft pull on decline, etc.

Barclay just gave me a $10k limit on my SallieMae a few hours ago. 

How likly is it that they drop the hammer with ONE more APP?

I kinda want to do this now to get near maximum return on the back date as adding 3 cards to a short AAOA is going to be a huge score drop. Lost 6 points due to INQS alone.

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No one on this board would know for sure, but the safest bet is to not app for to much credit to quickly

[Anonymous]

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@Anonymous wrote:

any updates?

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Yes,

I'm too chicken to app for a 4th card.

Amex ED moved to January 2016.

I've asked around and it seems its time to chill out. Made out like a bandit already.

I don't even like the card. 20 swypes? Are they mad? Do some people literally need to buy something almost everyday?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

any updates?

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Yes,

I'm too chicken to app for a 4th card.

Amex ED moved to January 2016.

I've asked around and it seems its time to chill out. Made out like a bandit already.

I don't even like the card. 20 swypes? Are they mad? Do some people literally need to buy something almost everyday?

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I think that's wise.

And can I just say, you have a very nice selection of rewards cards! Congrats!

[fury1995]

Lol. That's why it's called an Every Day card.

[chalupaman]

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@Anonymous wrote:

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@Anonymous wrote:

any updates?

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Yes,

I'm too chicken to app for a 4th card.

Amex ED moved to January 2016.

I've asked around and it seems its time to chill out. Made out like a bandit already.

I don't even like the card. 20 swypes? Are they mad? Do some people literally need to buy something almost everyday?

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Good decision. You have a great collection thus far.

[takeshi74]

Hard to say as it's not just a matter of the creditor or X inquiries but of one's credit profile as well.