Barclay - should I apply now?

[PandiferBear]

Hello all.  This is my first time posting, but I have been lurking for quite a while.  Thank you to everyone for providing such wonderful information and advice on these boards.  I have a question and was looking for some advice.  I have been rebuilding and things are getting better.  I recently got approved for the QS1 with a $2000 CL, which is definitely my highest limit.  I was wanting to go try for Barclay.  I know they will grow with me when I go sit in the garden until November.  I checked did the preapproval thing on their site and got the Congrats message (I know - it could go either way).  My QS1 finally (after almost two months) showed up on my EQ, so I am expecting it to probably show on TU next week.  My questions is, should I app for the Barclay now, or should I wait until the QS1 (and my highest approval limit) to show on my TU before I apply for Barclay?  My TU FICO was 678 per my last Walmart statement.  Thanks in advance for any input.

[BigBS]

Which Barclay card are you looking at?

[PandiferBear]

Just the average credit credit card.  When I did the preapproval link I got the Congrats for a "Barclaycard Rewards Aspiring Prime."

[PlasticOrPlastic]

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@PandiferBear wrote:

Just the average credit credit card.  When I did the preapproval link I got the Congrats for a "Barclaycard Rewards Aspiring Prime."

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I would app for sure, looks like it'll be no problem.  I got my Barclay rewards card with a 630 ish FICO. 

[PandiferBear]

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@EndlessRoad wrote:

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@PandiferBear wrote:

Just the average credit credit card.  When I did the preapproval link I got the Congrats for a "Barclaycard Rewards Aspiring Prime."

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I would app for sure, looks like it'll be no problem.  I got my Barclay rewards card with a 630 ish FICO. 

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Do you think there would be any benefit in the QS1 reporting first?  Aside from that card w/ $2000 CL, my next highest limits are Cap 1 w/ $750 and Amazon store card with $1200 and Walmart w/ $900.  Would it help in anyway for that new higher limit to be seen?

[PlasticOrPlastic]

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@PandiferBear wrote:

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@EndlessRoad wrote:

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@PandiferBear wrote:

Just the average credit credit card.  When I did the preapproval link I got the Congrats for a "Barclaycard Rewards Aspiring Prime."

---

I would app for sure, looks like it'll be no problem.  I got my Barclay rewards card with a 630 ish FICO. 

---

Do you think there would be any benefit in the QS1 reporting first?  Aside from that card w/ $2000 CL, my next highest limits are Cap 1 w/ $750 and Amazon store card with $1200 and Walmart w/ $900.  Would it help in anyway for that new higher limit to be seen?

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To be honest I don't think Barclay bases the limit they give you on anybody else.  They actually gave me my highest card limit last year when I app'd, and now they are my first card to reach 5k.  I'd app now and not worry about the other accounts or limits.  I have a feeling they will give you a nice starting CL. 

[PandiferBear]

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@EndlessRoad wrote:

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@PandiferBear wrote:

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@EndlessRoad wrote:

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@PandiferBear wrote:

Just the average credit credit card.  When I did the preapproval link I got the Congrats for a "Barclaycard Rewards Aspiring Prime."

---

I would app for sure, looks like it'll be no problem.  I got my Barclay rewards card with a 630 ish FICO. 

---

Do you think there would be any benefit in the QS1 reporting first?  Aside from that card w/ $2000 CL, my next highest limits are Cap 1 w/ $750 and Amazon store card with $1200 and Walmart w/ $900.  Would it help in anyway for that new higher limit to be seen?

---

To be honest I don't think Barclay bases the limit they give you on anybody else.  They actually gave me my highest card limit last year when I app'd, and now they are my first card to reach 5k.  I'd app now and not worry about the other accounts or limits.  I have a feeling they will give you a nice starting CL. 

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Oh I hope so.  I think I will take the plunge tonight.  I will let you all know how it goes.  Keep your fngers crossed for me.  Thanks for all the input!

[PlasticOrPlastic]

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@PandiferBear wrote:

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@EndlessRoad wrote:

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@PandiferBear wrote:

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@EndlessRoad wrote:

---

@PandiferBear wrote:

Just the average credit credit card.  When I did the preapproval link I got the Congrats for a "Barclaycard Rewards Aspiring Prime."

---

I would app for sure, looks like it'll be no problem.  I got my Barclay rewards card with a 630 ish FICO. 

---

Do you think there would be any benefit in the QS1 reporting first?  Aside from that card w/ $2000 CL, my next highest limits are Cap 1 w/ $750 and Amazon store card with $1200 and Walmart w/ $900.  Would it help in anyway for that new higher limit to be seen?

---

To be honest I don't think Barclay bases the limit they give you on anybody else.  They actually gave me my highest card limit last year when I app'd, and now they are my first card to reach 5k.  I'd app now and not worry about the other accounts or limits.  I have a feeling they will give you a nice starting CL. 

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Oh I hope so.  I think I will take the plunge tonight.  I will let you all know how it goes.  Keep your fngers crossed for me.  Thanks for all the input!

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Good luck, I think you'll be happy!!

[CardHunter]

I don't think you will have a problem. I just got my Barclay Rewards Mastercard with a myFICO score of 622 and Barclay score of 611 this month with a $1,800 limit (I have no clue how, still trying to figure it out) but I would say it's worth a shot.. Good luck!!

[PandiferBear]

***Sigh*** Under further review.......  Man, what a bummer.....