Barclay Rewards Mastercard question

[Anonymous]

Hi,

Fairly new here and have a quick question.

Little backround: I'm just now starting to rebuild my credit. I do have roughly 10 things in collections. All medical and mostly all under $200. Payment history is 100%. TU score was 621 when I applied for all of the cards below.

I have had a secured card through by bank for a while and recently decided to try for other cards. I recently ( & within a one week time frame ) applied for and was approved for the following:

VS - $250

NY & Co, - $250

Lane Bryant - $250

Kohls - $300

Wal-Mart - $200

Firestone - $700

Amazon - $600

Capital One Platinum - $300

Capital One QuickSilver - $500 & Last but not least,

Barclay Rewards - $750

I had to recon to get the Barclay card. I haven't physically rceived it yet but I am so worried about them closing it because of everything I have been reading. While I have not applied for anything since their approval, the majority of the other cards and inquiries were not on the report when they approved me.

Just wondering if anyone knows what they prefer?  Meaning, do they like large purchaes paid  in full every month or do they prefer small charges and a balance left on the card? I am so paranoid and really don't want to lose this card.

I admit, I went a little nuts with the applying!! I definitely will not apply for anything else for at least 2 years!!

Any advice would be great and very much appreciated!!

Thank you.

[kdm31091]

If you were already approved you should be ok. But I would definitely garden for awhile. They already pulled your credit and saw what they saw. It's unlikely (though not entirely impossible) that they will just take the card away.

Most issuers' terms and conditions state that they can cancel your card at any time for any reason, but it's not exactly a common occurence unless you are doing something really out of the ordinary.

[Anonymous]

Thank you! & Please excuse all my typos in my previous post. I typed that too fast and didn't proofread.

I'm just so nervous because I keep seeing people say their cards were cancelled on them. I'm really excited to get back on track and get my scores up. This card is the best one I have and I'd hate to screw it up before I can really prove myself.

Thanks again!!

[Anonymous]

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@Anonymous wrote:

Hi,

Fairly new here and have a quick question.

Little backround: I'm just now starting to rebuild my credit. I do have roughly 10 things in collections. All medical and mostly all under $200. Payment history is 100%. TU score was 621 when I applied for all of the cards below.

I have had a secured card through by bank for a while and recently decided to try for other cards. I recently ( & within a one week time frame ) applied for and was approved for the following:

VS - $250

NY & Co, - $250

Lane Bryant - $250

Kohls - $300

Wal-Mart - $200

Firestone - $700

Amazon - $600

Capital One Platinum - $300

Capital One QuickSilver - $500 & Last but not least,

Barclay Rewards - $750

I had to recon to get the Barclay card. I haven't physically rceived it yet but I am so worried about them closing it because of everything I have been reading. While I have not applied for anything since their approval, the majority of the other cards and inquiries were not on the report when they approved me.

Just wondering if anyone knows what they prefer?  Meaning, do they like large purchaes paid  in full every month or do they prefer small charges and a balance left on the card? I am so paranoid and really don't want to lose this card.

I admit, I went a little nuts with the applying!! I definitely will not apply for anything else for at least 2 years!!

Any advice would be great and very much appreciated!!

Thank you.

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They almost certainly saw the inquiries even if you couldn't see them. 

Also, Barclay likes to see serious usage. PIF of course, but feel free to use heavily. They will like that. 

[FocusedAndDetermined]

Your new TLs may not have appeared on your reports but inquiries are instant, so they knew you were credit seeking.  Don't apply for anything new for at least 6 mos., and use the card as you need.  Be sure to PIF each month.  It's okay to make multiple payments in a month.  You may want to keep reporting utilization low for the first couple of months.