Overstock store card

Anonymous · ‎11-24-2014

Should I app for the Overstock store card? I got the popup but don't know the limit. I got my first credit card in July 2014. A Barclay's Rewards MC. I then apped for 5 Comenity cards, 4 of which are attached to major credit cards. Would I be risking the twitchy behavior at Barclays (they inquire every month) if I app for another card, even though it is a soft pull? I'm seeing $4,000 credit lines being given left and right on the Overstock store cards.. That sure would help with utilization. My credit scores are in the 700s. I have about a 6% utilization across all cards.

chalupaman · ‎11-24-2014

Were you borderline with Barclays to begin with to the point where you had to recon for the card? I think that might put you at more risk of AA. So far, I've had a couple of new accounts report and my account with Barclays has remained open.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

Anonymous · ‎11-24-2014

No, I have a much lower income than I used to have. The Comenity store cards never ask for anual income. I'm wondering if Barclays will say woooah, that's enough giving you credit (since they know my income).

Anomalous · ‎11-24-2014

If you really want the Overstock card, I say go for it. You probably won't know your CL until the application is actually complete. As far as Barclay's, some people have issues, some don't. I've only had positive experiences since opening up my account with them and a few with others. YMMV

Keep both your credit and your body in top shape!

DeadlyPersona · ‎11-24-2014

I would say go for the Overstock card ONLY if it's a place where you know you would shop. You definitely don't want to have a card that you end up putting in your sock drawer (even if it is a soft pull).

Anonymous · ‎11-24-2014

This site has me acting in a different way. I went on with the application and got exactly what I said others got. $4,000. For some reason I immediately got an erection. Something ain't right about this behavior. I won't app again until at least July 2015.