Apple Barclaycard Approved few questions.

[TVP125]

Today I applied for the apple barclaycard and was approved for $1200, Which is great cause I was looking for another card with a higher credit limit other then my AMEX well I continue to rebuild. I have read a lot on here about Barclay being very sensitive to any type of credit activity at least during the first six months. My question is the Discover card I have had for three months is still not reporting on my Transunion report and im sure is going to pop up any day now so do you think it is going to cause any problem for Barclay even know my Discover limit is very small. 

just for reference 

My current EX score is 661 and my current EQ score is 667...

Transunion according to Credit Karma is a 591 and my last Discover statement says it was at 610 but is still not updated like the other two with my Discover account as well as my updated lower balance from a month ago on one of my other credit cards. 

Thanks in advance 

[myjourney]

IMHO I don't see one account as a worry/problem and congrats  

[Creditaddict]

don't let the "possibility" of some negative action of a bank dictate what is good for you and your credit overall.... if you need or want another credit card or to use your current cards, use them... if barclay has an issue... better to find out now and be done with it... but I wouldn't worry about it... it's way over concerned about on here.

[elim]

i had 3 new accounts land after barclays a few months ago with scores similar to yours and no news from them yet. i am so early on the path that i will listen to the prior replies (thanks guys, i needed that). at the rate barclay gave me, i hope that card will be SD'd in a year anyway. smart and happy spending  

[TVP125]

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@Creditaddict wrote:

don't let the "possibility" of some negative action of a bank dictate what is good for you and your credit overall.... if you need or want another credit card or to use your current cards, use them... if barclay has an issue... better to find out now and be done with it... but I wouldn't worry about it... it's way over concerned about on here.

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Thanks everyone for the reply.. And I agree 100% im not going to worry about the possibility of adverse action.. If they decide at any period in time they are unhappy with me and decide to cancel or lower my CL then more power to them..

[bk510]

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@myjourney wrote:

IMHO I don't see one account as a worry/problem and congrats  

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+1

[bk510]

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@Creditaddict wrote:

don't let the "possibility" of some negative action of a bank dictate what is good for you and your credit overall.... if you need or want another credit card or to use your current cards, use them... if barclay has an issue... better to find out now and be done with it... but I wouldn't worry about it... it's way over concerned about on here.

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+1

[pizza1]

Let me just say that the whole Barclays thing is being blown wayyyyyy out of portion. Yes, I've read the horror stories of them decreasing limits, balance chase, and plain just canceling card during their "6 months " after getting their card. Well it's always a ymmv thing anyways. Those people it was happening to, had something else going on in their credit file that spooked Barclays to the point if doing that, like maxing out a few cards, one late payment to someone, etc... I got my Barclays MasterCard in march, put money thru and use it a lot, and doing before statement cuts.i also opened up 2 new accounts , and like 10 new inquiries too in like a month and I'm fine! But I also keep a 1 % total util at all times for all my cards, and I make sure Barclays is used heavily with multiple payments. My last payment to them was over $400. I had a ton if inquiries to when I applied. If you're responsible with your overall credit picture, use them too you should be fine!

[pip3man]

lol if your worried about only 1 new account then I guess I should be terrified for adding 7 new accounts including Barclay all within the same month (this May). What's more, ALL 7 are already showing up on my file as of today. And as I learned an 8th account might be making its way to my file by July... we shall see how Barclay reacts to my situation.

[bk510]

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@TVP125 wrote:

Today I applied for the apple barclaycard and was approved for $1200, Which is great cause I was looking for another card with a higher credit limit other then my AMEX well I continue to rebuild. I have read a lot on here about Barclay being very sensitive to any type of credit activity at least during the first six months. My question is the Discover card I have had for three months is still not reporting on my Transunion report and im sure is going to pop up any day now so do you think it is going to cause any problem for Barclay even know my Discover limit is very small. 

just for reference 

My current EX score is 661 and my current EQ score is 667...

Transunion according to Credit Karma is a 591 and my last Discover statement says it was at 610 but is still not updated like the other two with my Discover account as well as my updated lower balance from a month ago on one of my other credit cards. 

Thanks in advance 

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my IT just started to report bout a week ago.....have not heard a peep from Clay (as a matter of fact, they bumped my limit to 2400. as I keep putting charges on it.

I wouldnt worry bout it.