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A little over six months ago I went on an app spree and acquired 6 new credit cards, bringing my total to 7. My AAoA is currently about 1 1/2 years. Other than that my credit is great, scores from 720-760.
Taking this into account, how likely would it be fo me to get approved for the Arrival+ or Ring? Should I wait longer to apply?
They let me in after 1 year of solid payments with other big lenders. TU was 695 at the time. They were my 2nd app after a 7 month garden. Previous to that 7 months I had 6 new accounts throughout that year.
I got denied in March after applying for the arrival +. The reason they gave was too many new accounts. I had opened about 7 new accounts in July 2015. They pulled TU which at the time was 712 and my AAOA was 4 years.
Called to recon and they said they wanted to see the new accounts have more histoy before they could approve me -__-
Hope this helps.
Which 7 credit cards do you currently have, and what does Barclay offer that those 7 don't?
@Anonymous wrote:A little over six months ago I went on an app spree and acquired 6 new credit cards, bringing my total to 7. My AAoA is currently about 1 1/2 years. Other than that my credit is great, scores from 720-760.
Taking this into account, how likely would it be fo me to get approved for the Arrival+ or Ring? Should I wait longer to apply?
I think you've got a good shot at it.
PS The Ring is my favorite card
@Anonymous wrote:A little over six months ago I went on an app spree and acquired 6 new credit cards, bringing my total to 7.
That could be an issue. People tend to overlook the impact of having new accounts.
Barclay is a weird animal for me. Only cards I have been declined for. My last shot at them was a few months ago. Was denied for too many new accounts opened in the past 6 months. I had 3 new accounts. A recon attempt did no good either. This was with scores near 800. They have also been very tough for me to get a CLI with as well.
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
It looks like I have been blacklisted from Barclay's due to being stupid about 10 years ago....