- Centurion Member
- Posts: 3954
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
I just recently got a Sallie Mae Platinum MC from Barclaycard. I want to get an Arrival+ WEMC as soon as possible, and would appreciate any suggestions people have about how to maximize my odds. It would be nice to have it by 4/15, but it would be more important to have by 6/15 for international travel. I will probably apply in 3/15 or 4/15.
I like the Arrival+ reward structure and Chip+PIN functionality. I have no interest in the no-AF Arrival.
The fact that my Sallie Mae is a Platinum MC and not a WMC suggests Barclaycard might be uneasy about giving me another card for a while. At the time of the pull, though, my BCE had not reported, so they only saw the PRG's NPSL and two cards each with a $2k limit. They might have thought I was a good customer with only 10 months of credit history and figured they were being generous by doubling my available credit.
I want to keep my Sallie Mae. I have no plans to apply for anything else until the Arrival+. I have 3 TU, 6 EX, and 2 EQ pulls. Each report is about to lose one inquiry (a GECRB 3x pull when I had no history). By 3/15, most of the pulls will be 6 to 12 months old.
Am I right in thinking that Arrival+ only comes as WEMC? I couldn't apply and get stuck with a WMC Arrival+ with an annual fee and great rewards, but no chip? The Sallie Mae card had a 'Platinum clause' readily displayed in the fine print, but I don't see one mentioning Platinum or WMC in the Arrival+ fine print. I know some people on here had trouble upgrading old Arrival+ cards to WEMC, but are all new Arrival+ card automatically WEMC?
Sallie Mae is also getting almost exclusively 5% spending, so they are losing money on me right now.
How have others been able to get second cards from Barclaycard? Lots of spending outside of bonus categories? Lots of swipes? A high volume of spending? A high income relative to existing credit limits?
I figure an auto CLI on Sallie Mae might be a good indication that I would be okay to go for the Arrival+ after 6 months. Has anyone been declined for a second card right after an auto CLI on the first?
Any other input, besides the usual ideas to keep utilization low, pay in full, and avoid other inquiries?
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May