Barclays

AppleGoat

macrumors 6502a
Original poster
Oct 14, 2010
649
4
I opened a Barclays card in mid-February to see if I'd be approved (I was) for a potential MacBook purchase. The card has been sent to me and all but I'm not sure if I will take advantage of the financing. Would opening and closing a card I never used adversely affect my credit rating?

I also may wish to reapply for the card down the line once I'm ready to buy the MacBook.
 

alphaod

macrumors Core
Feb 9, 2008
22,161
1,164
NYC
Since you opened a card, it would have been a hard check and would have affected your credit.

Then closing a line of credit will drop it even more.
 

triple-tap

macrumors 6502
Feb 18, 2013
264
45
Since you opened a card, it would have been a hard check and would have affected your credit.

Then closing a line of credit will drop it even more.
+1 to this.

Also, barclaycard regularly sends me offers to purchase apple products with no interest for 18 months on purchases over $999. My advice is to just keep the card open and wait for the next offer.