Turned down several times for Barclaycard Ring; at what point should I try again?

[SouthJamaica]

Thanks, much appreciated. I guess that's the answer, just stop for awhile

[DueDilligence]

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@bigblue7722 wrote:

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@thebeckerman wrote:

Thanks.

My FICO scores are TU 710, Equifax 712, Experian 682

I have about a dozen other cards, 3 from Barclays

My weaknesses are lots of recent inquiries & new accounts + public record stuff from 8 years ago

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you pretty much answered your own question. Stop applying let the accounts age. How long? Well I would let all your inqs be at least a year old so i would wait 1 year from the last time you applied for something.  A lot can happen in a years time with credit. This time last year i had fingerhut, boa secured, cap one secured and now look at my signature below. You might have too many barclaycards as well, i dont think ive ever seen anyone with more than 3 i might be wrong though. 

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I can't help to notice that you reported having a secured BOA a year ago. When I check your footnotes (the cards that you have now) I don't see anything with BOA. Is there a reason you don't have a card with BOA unsecured at this moment with all that credit you have?

[DueDilligence]

To my understanding you can be denied automatically if you haved applied for more than one credit card within thirty days.....

[Anonymous]

garden my friend garden ...

[Imperfectfuture]

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@Anonymous wrote:

garden my friend garden ...

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Concur.  I am debating whether to jump out in December 2015, or go for December 2016.  I want my AAoA to grow, and I want to see scores rise above 760 (would love to see 800, but without mortgage, might be harder to accomplish).  

[bigblue7722]

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@DueDilligence wrote:

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@bigblue7722 wrote:

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@thebeckerman wrote:

Thanks.

My FICO scores are TU 710, Equifax 712, Experian 682

I have about a dozen other cards, 3 from Barclays

My weaknesses are lots of recent inquiries & new accounts + public record stuff from 8 years ago

---

you pretty much answered your own question. Stop applying let the accounts age. How long? Well I would let all your inqs be at least a year old so i would wait 1 year from the last time you applied for something.  A lot can happen in a years time with credit. This time last year i had fingerhut, boa secured, cap one secured and now look at my signature below. You might have too many barclaycards as well, i dont think ive ever seen anyone with more than 3 i might be wrong though. 

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I can't help to notice that you reported having a secured BOA a year ago. When I check your footnotes (the cards that you have now) I don't see anything with BOA. Is there a reason you don't have a card with BOA unsecured at this moment with all that credit you have?

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very good question. Boa really pissed me off when it came to unsecuring the secured card. I never missed a payment for 13 months, always paid in full but they wanted to HP me to get the card unsecured. I dont care much about HP unlike many others on this board but I would never use the boa 123 rewards card beacuse sallie mae is that much better. So i ened up just closing the card took my money and never looked back. 

[DueDilligence]

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@bigblue7722 wrote:

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@DueDilligence wrote:

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@bigblue7722 wrote:

---

@thebeckerman wrote:

Thanks.

My FICO scores are TU 710, Equifax 712, Experian 682

I have about a dozen other cards, 3 from Barclays

My weaknesses are lots of recent inquiries & new accounts + public record stuff from 8 years ago

---

you pretty much answered your own question. Stop applying let the accounts age. How long? Well I would let all your inqs be at least a year old so i would wait 1 year from the last time you applied for something.  A lot can happen in a years time with credit. This time last year i had fingerhut, boa secured, cap one secured and now look at my signature below. You might have too many barclaycards as well, i dont think ive ever seen anyone with more than 3 i might be wrong though. 

---

I can't help to notice that you reported having a secured BOA a year ago. When I check your footnotes (the cards that you have now) I don't see anything with BOA. Is there a reason you don't have a card with BOA unsecured at this moment with all that credit you have?

---

very good question. Boa really pissed me off when it came to unsecuring the secured card. I never missed a payment for 13 months, always paid in full but they wanted to HP me to get the card unsecured. I dont care much about HP unlike many others on this board but I would never use the boa 123 rewards card beacuse sallie mae is that much better. So i ened up just closing the card took my money and never looked back. 

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Well that is very interesting on your part. I would have stuck it out with them if I was you though. Either way, you have nice lines of credit and I presume you have come along way, Great Job on your behalf!

[DueDilligence]

Come to think about, I would have put forth that much energy in BOA opose to Barclay. BOA would have came through for ya, expecially by now.

[elim]

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@DueDilligence wrote:

Come to think about, I would have put forth that much energy in BOA opose to Barclay. BOA would have came through for ya, expecially by now.

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   BOA has an 8% community card?

[bigblue7722]

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@DueDilligence wrote:

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@bigblue7722 wrote:

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@DueDilligence wrote:

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@bigblue7722 wrote:

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@thebeckerman wrote:

Thanks.

My FICO scores are TU 710, Equifax 712, Experian 682

I have about a dozen other cards, 3 from Barclays

My weaknesses are lots of recent inquiries & new accounts + public record stuff from 8 years ago

---

you pretty much answered your own question. Stop applying let the accounts age. How long? Well I would let all your inqs be at least a year old so i would wait 1 year from the last time you applied for something.  A lot can happen in a years time with credit. This time last year i had fingerhut, boa secured, cap one secured and now look at my signature below. You might have too many barclaycards as well, i dont think ive ever seen anyone with more than 3 i might be wrong though. 

---

I can't help to notice that you reported having a secured BOA a year ago. When I check your footnotes (the cards that you have now) I don't see anything with BOA. Is there a reason you don't have a card with BOA unsecured at this moment with all that credit you have?

---

very good question. Boa really pissed me off when it came to unsecuring the secured card. I never missed a payment for 13 months, always paid in full but they wanted to HP me to get the card unsecured. I dont care much about HP unlike many others on this board but I would never use the boa 123 rewards card beacuse sallie mae is that much better. So i ened up just closing the card took my money and never looked back. 

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Well that is very interesting on your part. I would have stuck it out with them if I was you though. Either way, you have nice lines of credit and I presume you have come along way, Great Job on your behalf!

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I only really use credit cards for rewards thats it. The 123 rewards card is just very lackluster compared to sallie mae.