Alright.. Someone take my wallet and send me to the garden for 6 months.
Last month approved for Barclay for 1,000. Been using it for every transaction and pif'ing weekly. Than I added Walmart ($900), PayPal($500), and as an AU on a Chase account ($4000).
I purchased a vehicle and borrowed a couple thousand from my mother so I could pay cash. I was in a spot paying off the remaining balance of my debts and it was to good of a deal from another family member.
In the mean time my credit repots updated and everything is marked as paid so before I wrote out a check to pay them back I phoned my local credit union where i've been banking at a few years. Asked for $3500. Approved. Since I got hit with a hardpull and INQ I asked what they could do with a credit card. Approved for $1,300 at 16%, said as soon as my scores climb to over 700 (They pulled a 673 toady) I can refinance the credit card and get it at 6-7% and a limit increase.
I credit card under 10% APR.. love it! Dont care of Barclays gets upset and AA me now. I dont plan on using the CU card much because of no rewards but they offer a better interest rate and a much better one soon so i'll use it here and there. Barclay will still be my everyday spender. The CU card will make a good one to finance any purchases that are needed down the road.
So.. Barclay and 5 accounts right after.. dont AA me now! 
I do care if they do, but if they dont.. eh. This will be a true test to all MyFico members of the bad things said about Barclay, i'll of course report if I do hear anything from them. But the way I been using them and pif'ing I hope they dont.
Congrats! Sounds like some growth in the near future.
Congrats
Credit Unions are Awesome..
Grats
reading my origional post i can tell I was pretty excited. haha.
@hot4u wrote:Congrats
Credit Unions are Awesome..
I am a believer now. 8 paid judgments and a paid tax lien from 07/08 I didn't think I had a chance. But the lady told me even though I have a ugly history she could see I haven't had a late, maxed out credit cards, or anything since than and i've paid everything in full.
congrats
@meehan22 wrote:Alright.. Someone take my wallet and send me to the garden for 6 months.
Last month approved for Barclay for 1,000. Been using it for every transaction and pif'ing weekly. Than I added Walmart ($900), PayPal($500), and as an AU on a Chase account ($4000).
I purchased a vehicle and borrowed a couple thousand from my mother so I could pay cash. I was in a spot paying off the remaining balance of my debts and it was to good of a deal from another family member.
In the mean time my credit repots updated and everything is marked as paid so before I wrote out a check to pay them back I phoned my local credit union where i've been banking at a few years. Asked for $3500. Approved. Since I got hit with a hardpull and INQ I asked what they could do with a credit card. Approved for $1,300 at 16%, said as soon as my scores climb to over 700 (They pulled a 673 toady) I can refinance the credit card and get it at 6-7% and a limit increase.
I credit card under 10% APR.. love it! Dont care of Barclays gets upset and AA me now. I dont plan on using the CU card much because of no rewards but they offer a better interest rate and a much better one soon so i'll use it here and there. Barclay will still be my everyday spender. The CU card will make a good one to finance any purchases that are needed down the road.
So.. Barclay and 5 accounts right after.. dont AA me now!
Congrats on your approval
Congrats! Thanks for sharing.