When should I app for the Barclays Uber Visa again?

[Anonymous]

So, I applied for this card in May, and then again in August, and denied both times, reason being too many new accounts. I reconed three times and was each attempt was unsuccessful.

I was told by one of the Credit Analysts that they consider accounts opened at the last 6 months as “new.” However, some DPs on here contradict this.

I was originally going to apply again on Feb. 1, when I will be at 1/6, but still at a staggering 11/12, due to the spree I did between the months of May and July. But now I am wondering if I should wait even longer than that.

I am trying to pick wisely, as my TU is frozen and I will have to pay a small fee to unfreeze it, and because I am trying to minimize unnecessary HPs. What do you guys think? Is 4 more months of gardening enough, or should I garden longer before I pull the trigger again?

Stats:
TU FICO 8: 761
AAoA: 1 year
Inqs: 9 in the last year
Do derogs

[FinStar]

Depending on the number of new accounts and/or inquiries I would wait longer OP. The Uber CC isn't going anywhere, at least not anytime soon.

Remember, they can still cite the reasoning of X number of new accounts in the last 24 months as a potential reason. And, if reconsideration attempts failed, it would likely behoove you to wait longer. Try in about 9-12 months from the last time you were denied. Of course, avoid the urge to apply for anything that can set your goal further out.

[Dg1982]

I may be mistaken so please verify this, but freezing and unfreezing your credit report should now be free. I have the transunion app and I can lift a freeze very easily and it does not cost me a dime. Also, I live in New Jersey and it used to cost like $5 or something so I believe that the new rule applies everywhere.

[Anonymous]

11/12 is quite a bit for Barclays.  If you do get the Uber sometime, I would be careful opening other accounts immediately after your approval.

[Meanmchine]

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@Anonymous wrote:

11/12 is quite a bit for Barclays.  If you do get the Uber sometime, I would be careful opening other accounts immediately after your approval.

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11/12 is quite a bit for any lender

Id look to getting as close to 0/24 as possible before apping again  Cards open less then 2 years still count as new accounts, just not recently opened accounts

Stay away from Comenity bank as they will shut all your accounts down due to too many new inquiries / new accounts

[blindambition]

I agree that it will be wise to wait 9-12 months. Definitely keep your finger off the trigger for awhile. That card I don’t see going away anytime soon.
As for freezes and unfreezing, free as of a couple weeks ago.

[Anonymous]

You guys are probably right. I did overdo it pretty badly in May. Guess I will be gardening until Summer ‘19. Thanks guys.

[kdm31091]

I think it's smart to let things sit for 6, 9 or 12 months before trying again. As stated the card isn't going anywhere. Generally when you hear the "too many new accounts" denial from Barclay, they aren't going to budge, and it will benefit you to wait awhile before trying again. This way you aren't wasting more HPs on the same product for the same response.

I would wait until at least April (6 months) preferably longer.

[Shooting-For-800]

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@Anonymous wrote:
So, I applied for this card in May, and then again in August, and denied both times, reason being too many new accounts. I reconed three times and was each attempt was unsuccessful.

I was told by one of the Credit Analysts that they consider accounts opened at the last 6 months as “new.” However, some DPs on here contradict this.

I was originally going to apply again on Feb. 1, when I will be at 1/6, but still at a staggering 11/12, due to the spree I did between the months of May and July. But now I am wondering if I should wait even longer than that.

I am trying to pick wisely, as my TU is frozen and I will have to pay a small fee to unfreeze it, and because I am trying to minimize unnecessary HPs. What do you guys think? Is 4 more months of gardening enough, or should I garden longer before I pull the trigger again?

Stats:
TU FICO 8: 761
AAoA: 1 year
Inqs: 9 in the last year
Do derogs

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Why do you want Uber so bad?

They are hard to get and when they do approve it is often a ridiculous low limit.

Is there a specific feature you desire that no other card like Savor offers?

[expatCanuck]

I'll offer the following Barclay data points.  To get my Ring (12-2014), I had to recon.  I had 2 INQs on TU, both for a refi.  TU was 786 or so.  And my youngest card was 7 years old.  My aggregate CL was ~40K.

Fast forward to last week, when I applied for the Uber.  6 INQs (2 refi, 4 CCs), with a TU of 818, and almost a year of good history (metronome-steady paying down a 5K BT to the Ring).