duranza

UGH.. got denied ..asked a bunch of questions about my income which I had put on the application and seriously already having their cards they would know this. He was saying I had 12 cards opened in the last year ( actually 8) and that not much usage on them.. really? told me to come back in 6 mos for more history on accounts.. sounded like a young guy.. named Ted..

ETA: I asked earlier in this thread why my husband's credit cards are showing up on my credit report and I think the agent counted his as well as mine and it appears to be 12 instead of 8

nayrb3

Quote:
Originally Posted by KennyBSAT
Buy 10 VRs: Cost is $39.50. Redeem the 10,060 points for a $100 flight/hotel room/car rental.
Slightly over 60% off but close enough for me.

I recently did exactly that on a hotel room and was able to get $15 from topcashback.com as well. So my cost for the room, which I earned points staying in, was $24.50 instead of $100.

Posted this in the manufactured spend thread, but thought it might get answered better here...

Been thinking about this lately, as I believe that I have overlooked this card. Please correct me if I am wrong in the below scenario, just want to make sure I understand this correctly.

My wife has an upcoming stay (personal) at the hyatt regency irvine. The cost for the night is $142 ai or she could use 8,000 UR's.

The cost to manufacture 8k points with Ink Bold at .0067 via staples gc is about $54.

However, If I buy $7,100 worth of VR's the cost is about $56. Plus I get 10% back which is about $14. Plus I earn GP points valued conservatively at 2 cents per point is about another $14 back. This brings the cost of the $142 down to $27. Plus I get a night and stay credit toward elite status. Am I understanding this right or am I missing something?

Thanks.

KennyBSAT

Only a couple of trivial details. You can redeem in increments of 2500 points, or the full purchase price rounded up to the next $5. So in your example you could redeem 12,500 for $125 credit, or 14,500 for $142 credit. The 10% points back is instant so if you did the full credit your points balance would only be reduced by 13,050. All points are posted and available for use as soon as the charge posts, so you don't have to wait for the statement. And you have 90 days after making a travel purchase to redeem points, so if you have an unexpected expense and not enough points to cover it, you can manufacture the spending after the fact.

BAK

Thanks for letting me know. Sent a mail to CS and they told me that the bonus should post within 30 days after the next statement closes. I just hope I will not have to deal with their CS to get the bonus.

Tiki

In the same boat! I had 10 new cards within last year but still have Fakos over 780, 100% on time payments and one US card in good standing. I even made a point of using it the month before the AOR and paying the bill so they would see I am a good, reliable customer. I waited it out, got a denied letter, then called recon. Nothing would make them budge.

I'm very annoyed since this would have been $400 off our cruise next year!

ddallas

Yes. The annual fee is waived the first year.

usawsn

Hi,

I have a Barclaycard Arrival card, which will be charging annual fee next month. I am still having 20k rewards points to redeem. Recently I do not have travel plans so the ratio of redemption would be 2:1. So I wonder if I could convert this to a no-annual fee card and use the rewards next time when I travel? Will that require a hard-pull?

thanks,

StevenH123

Slowest card delivery ever. Approved two weeks ago and it still hasn't arrived.

ctbarron

Downgrading and keeping points works with other banks (Chase, etc). But, Barclays can be a different animal. Give them a call.

cruisr

Just thought I'd chime in here. This card does not get the love that the Chase cards get but I love it. It's really cool to see the 10% of what you redeem for travel go back into your account. So far I've used it for air, hotel, car and a cruise I just got off of. I've run through about 65k so far including the sign up bonus. I actually had them mo e most of my credit line from my US div. mi,es CC to Arrival so I could use it more.

duranza

Same here.. but we have time to reapply in Jan or Feb..
I spoke to them 2x and they wouldn't budge from the line that I had too many accounts .
I just canceled the 2 other Barclays I had with them and also a Chase and Amex.
Looking to cut down on cc and to put some spend on them since those are the two points made from both agents.. told me to come back in 6 mos.
My only USAIR card annual fee will be in Feb.2014
The letter stated my Transunion score was 806 !

ccohen322

Agreed. It's a very effective all around 2.2% CB card. I love the flexibility of scoring good deals (MR, vacation, etc.), and redeeming instantly for points.

romsdeals3

I love this card for the practicallity. Many times I just want to book a cheap hotel regardless of airline status. I can book that cheap hotel and use Barclaycard points to pay off the charge.

StevenH123

It arrived today. 16 days from approval.

pinguy

I was approved on 6th. Sounds like I have another week before mine arrives.