+1 to whether it's a discharge or fall off which are two very different things.
RoboLobo wrote:FICO score with them in the 670's.
Always keep the specific model and CRA in mind as well as the relevance to a given creditor. If you're referring to the FICO that Barclaycard provides it is a TU FICO 8. Not all creditors use TU and/or the FICO 8 model so that score won't be relevant to those that do not. Make sure you're keeping an eye on your reports with all 3 of the major CRA's.
RoboLobo wrote:Just wondering if I might qualify at all, or should I stand pat for a couple more years?
It's difficult to say. The score somewhat helps but it's never just a matter of score itself. You give us a rough idea of your balance but we really need your revolving utilization (balance/limit). The catch 22 with getting new cards for BT's is that if you're wanting a new card to use for a BT you probably have high revolving utilization which not only affects your approval odds but the limits that you stand to qualify for.