otter wrote:Barclay is one of those issuers which is hard to figure out. Until recently, I had never been declined for a new card or CLI from them even though the word on the street is that they don't like too many inquries/new accounts and I've always had both whenever I apply for one of their cards. My most recent inquiry was a decline for the Ring, but there was no HP which I found interesting. Apparently, I have reached my internal limit with them so they didn't even bother to pull (plus it seems they soft pull the hell out of me not including the ones they do for my fico score).
Any particular reason you wanted the Ring? You just wanted a long-term low-APR card with no BT fee - even if you'd probably never use it?