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I pay the $40 a month for myFICO is that the same as if i were to pull for the dollar off CCT ?
That's what I thought thank you
Your scores are actually better than mine when I got approved and I 4 open had collections. I'd wait six months or so and not apply for any new credit during that time before applying for this card though. The reason is you have a few new accounts and a relatively thin profile. You don't want to get a marginal approval with a high APR and $500 limit like I did. They've since bumped me to $6,500 with two separate hard pulls but they refuse to reduce my APR.
Check out my UBER Visa approval.
Hey there!
Here's my experience with Barclays and Uber. When I did a cold app to them, I had a Capital One secured with a $500 limit, and a Sony Financial through Synchrony with a $2400 limit. I had them for a little less than two years, at the time. I had just apped to AMEX and got a SL for the BCE card of $10000. That floored me. I also apped a week or so after that to Citi for the DC card and got a SL of $3100. I figured that Uber was going to be cake. It wasn't. They rejected me. Not to be defeated, I used the knowledge on the board here to recon with Steve and got a SL of $500. That limit stayed the same for about a year and a half and recently just did an HP to get to $5000, their offer which was much more than I requested.
My recon conversation with Steve was along the lines of my lack of credit. He was only seeing the Capital One and Sony card. We had a really good discussion and he felt confident in overturning the decision.
To this date, even with the low limit until a few days ago, it is my favorite card to use, along with my Citi DC. The 4% for food is a huge benefit for me and I have made quite a bit of cash back already in the year and a half that I have had it. I like being able to move that cash into my savings account to save up.
I can't remember my DPs at the time, but I feel like they were around the high 600s or low 700s. My utilization was non-existant. And I was in the middle of my car loan with current payments. My AAoA was around 2 years.
I hope this reply helps. If you do go for it, best of luck to you. It's a nice card to have when you are dining out. Just take very good care of it. What I read before is true in my case..."When you are good to Sir Barclays, they will be good to you." Keep in mind something else that's also true..."Sir Barclays is a very jealous lover." :-)
As others have stated, I'd garden for a bit longer as Barclays can be tricky and you don't to waste a HP.