Applying for a second Barclaycard? Hard inquiry?

Anonymous · ‎05-27-2015

Hello all. First time poster, long time lurker. I just applied for and was approved for a Barclaycard Apple Rewards last week. I was considering applying for the regular Barclaycard Rewards to see if I was approved. Could use the extra credit to improve my utilization %. I did not want to attempt it though if it would be another hard inquiry. Anyone know if it would be a soft inquiry, by any chance, since I just applied through them last week? Defiinitely don't want to add another HP at this point. Thanks for the help!

TRC_WA · ‎05-27-2015

Expect a HP.

FICO8 current as of : 2-11-25 EQ: 734 TU: 717 EX: 713
Hard INQs last 12 months: EQ: 1 | TU: 2 | EX: 2
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 32% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24

Anonymous · ‎05-27-2015

@Anonymous wrote:
Hello all. First time poster, long time lurker. I just applied for and was approved for a Barclaycard Apple Rewards last week. I was considering applying for the regular Barclaycard Rewards to see if I was approved. Could use the extra credit to improve my utilization %. I did not want to attempt it though if it would be another hard inquiry. Anyone know if it would be a soft inquiry, by any chance, since I just applied through them last week? Defiinitely don't want to add another HP at this point. Thanks for the help!

HP.

Anonymous · ‎05-27-2015

Thanks. I'd rather not have the extra available credit than to have another HP.

-Cal- · ‎05-27-2015

HP. You typically need 3 months in between Barclay apps.

Anonymous · ‎05-27-2015

I got a Barclay Ring in Jan. - HP then got the Barclay Rewards in April - HP again. Both were TU.