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.

BK 13 filed : 2-28-17 BK 13 discharged : 3-22-22
FICO8 current as of : 8-31-23 EQ: 685 TU: 679 EX: 661
Hard INQs last 12 months: EQ: 5 | TU: 9 | EX: 7
WF Platinum $1000 WF Reflect $6000 Verizon Visa $6500 Ally MC $4000
Mission Lane Visa $1850 Credit One Platinum x5 $3000 Credit One Wander $1700 Upgrade Visa $2000
PenFed Gold Visa $2500 Amex Delta Gold $10,000 Care Credit $12,000 Petal 1 Visa $2900 Cap One QS $500
NFCU CashRewards $6000 Apple Card $2000 Best Buy $3500 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $44k new - refinanced $33k balance @ 6.94%
Total CL: $70,450 --- Total CC UTI: 32% --- AAoA: 6.5 years --- Income: $100k
Last app: 8-24-23

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.

Applying for a second Barclaycard? Hard inquiry?

Re: Applying for a second Barclaycard? Hard inquiry?

Re: Applying for a second Barclaycard? Hard inquiry?

Re: Applying for a second Barclaycard? Hard inquiry?

Re: Applying for a second Barclaycard? Hard inquiry?

Re: Applying for a second Barclaycard? Hard inquiry?