JetBlue Plus Approval

[Anonymous]

I definitely don't app frequently at this point, but I've had the JetBlue Plus in mind for a while since my family flies JetBlue every year to FL and the bag fee savings from that trip alone would more than pay the AF.

Pulled the trigger today using a mailed pre-approval, and I was approved for a $12k SL and the mid-tier APR. The high SL surprised me a bit given Barclays' reputation, and the fact that they pulled TU (which is my worst report, just because I had like 8 inquiries in two years).

Data Points:

TU Score: 751 (Discover), 757 (Chase)

Oldest Account: 4y 11m

AAoA: 2y 9m

Newest Account: 6m

Number of Accounts: 10 CC (9 open) + 2 auto (1 open)

Derogatory Marks: 0

[Anonymous]

Make sure you do not demonstrate high UTIL on your other accounts, or Barclay's will take AA on you. They do not play.

Congrats on the approval!

[Pikaboo-icu]

Congrats!  

Sounds like a card made for you- great SL too! 

[Medic981]

[Anonymous]

My overall util is around 2% as it stands right now, and it rarely breaks 5% (especially now that I got a few increases and another $12k card). I'll sometimes have a card or two above 30% (usually my Freedom or my Discover due to their relatively low limits, sometimes my FU when I make a large purchase), though I've never done anything but PIF. Do you think I have anything to worry about in terms of AA?

[Anonymous]

---

@Anonymous wrote:

My overall util is around 2% as it stands right now, and it rarely breaks 5% (especially now that I got a few increases and another $12k card). I'll sometimes have a card or two above 30% (usually my Freedom or my Discover due to their relatively low limits, sometimes my FU when I make a large purchase), though I've never done anything but PIF. Do you think I have anything to worry about in terms of AA?

---

Not if you PIF. If you let that UTIL report and then PIF, you may have to worry. But I would PIF before the statement cuts.  

Barclay's may or may not take AA — YMMV — but, based on what I have read here, they do not like high UTIL on other CC accounts. It freaks them out. 

If your overall UTIL is lower than 30%, you should be fine. The lower, the better with Barclay's.

[Anonymous]

Yeah, I always PIF, but I let the statement cut. I'll keep that in mind thoough. 

[Cred4All]

Congrats on the great SL and new card.  I concur with everyones comments regarding utilization staying low to prevent the harassment .

[xaximus]

Congrats on the approval!

[Anonymous]

Congrats on your approval and very nice SL !!!!