I hear you. With credit cards, the further you are down in debt, the more difficult things get, contributed by the fact that lenders give you much harder time. I understand that they are in a business of making money; they could easily say that the person with debt or credit issues possess higher risk, thereby either flat out denying any opportunities for loans that such person desperately may need, or throw out terms with extremely high interest rate so that they can collect more interest. The key is to not to put oneself into such position in the first place.
Barclays... LOL. I used to have their old "Arrival" card with a toy limit in the past. In hindsight, I should have never bothered applying with them. That card product is no longer available in the U.S. Go figure. The only reason that product managed to stay around was due to all that advertising they promoted to websites like Nerdwallet, Pointsguy, etc. Anyway, I ended up SD'ing that useless card, and let them close it due to inactivity.
I've realized that when it comes to credit cards, they are completely optional and none are mandatory to have at any given moment, with a sole exception of BT cards. I'd say that planning is essential: knowing and planning ahead of time the amount of large expenses to incur that cannot be paid back within a couple of months. Therefore, one should look for, well in advance before incurring more debt, either a personal loan or a BT card with 0% for anywhere between 12 to 21 months. By the time the large debt gets reported, not only would that lower the credit score, it also increases DTI and utilization, which would always work against anybody.
Again, congratulations on getting that approval. Just be careful, though. Applying for more credit cards purely in the interest of utilization ratio padding may work against you. It is of utmost priority to reduce the balances down as much as possible. But I am sure you know that already.
Having lived in some other countries, I have seen how seemless and fast identity verification system is done there, albeit at the expense of having to tie one's cell phone number to the citizen's identification number, the equivalent of SSN. Waiting 5-7, 14, 30 days for a letter in the snail mail is virtually unheard of and unthinkable there. Having seen such things, I say we are really patient folks. 
@BabyGurl372 wrote:I got a text from this bank about opening an account on 12-31 but I didn't open an account with them, I did an application for CreditOne credit card for my husband that day, and why text me about it? I guess I'll be making a call when I have time.... but does anyone have an idea of what to expect or why they would text me?
Are you sure the link in the text is actually US bank? What you are describing is very odd!
I do know CreditOne does take your personal information and sale/share it with 3rd party.
