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Originally Posted by Rommie2k6
(Post 21764044)
I had it with Barclays. Those .......s are just a bunch of idiots .....es/.......s, that's impossible to do any business with them.
I have been denied twice in a row, even skipped them in my last AoR. Not enough activity on your card, too many credit cards recently opened. Maybe you should wait for 12mths(!?!) and not open any cards and reapply... up yours dude!!! They even record down your calls, so that the next person you spoke to knows what you talked about previously! Hanging up and calling back doesn't seem to work. And those .......s won't even negotiate. I offered to cancel my existing card, but no they won't budge. Since my existing card has an AF, and I am not using it, I am canceling my one and only card with those SoB. Besides, I have another 20 tradelines in my report, so my AoA won't be affected. Maybe us flyertalkers should just boycott them entirely! If you get a signup bonus, fine. But sock drawer it and don't use it for normal spending (if flyertalkers have normal spending at all). |
Originally Posted by agp423
(Post 21770046)
Getting credit is like getting girls. The less you seem to care, the less you need them, the more offers and approvals you get. Don't get desperate or you will get nothing.
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If they're so bad why did you want there CC. Oh it's because they didn't give it to you because they are very strict that makes them bad? Listen to them if you want their cards. I've got 2 and my wife 1 and all were auto approved. I also have 31 CC's but I'll go 6 months with no apps and then do them 1st. You just have to learn the game, ignoring them won't help you.
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I think Barclays would welcome all FTers to stop getting their cards for the minimum spends. Remember we are not the target customers, we are the cost of doing business
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I was approved
I was approved for the arrival card yesterday.
I did not apply for a new credit in one year. This is my first barclays card. I see it as valuable at 2 points per dollar as well as the 10% bonus. You are getting more points which worth more Dollars. Their step down version is comparable to chase saphire preferred alas the fact that ultimate rewards mall has better points per dollar spent and the ability to transfer mileage to airlines and hotels program. erez |
Barclays is a tough one, they seem to have figured out a way to weed out us churners. I have been turned down 3 times over the last 7 months with them. Last time I called the recon line they said to get approved I would need to stop applying for other cards for about 12 months...not going to happen.
Data point 778 credit score current multiple personal and business accts with Chase Citi Amex US Bank Bank of America Barclays is the only bank I have been turned down by, I think I was black listed by them because I cancelled a couple cards quickly after I got the bonus. |
I have been denied by Barclays, then approved. My wife with a very short credit file has been denied, then approved. Just like with any other bank, they are not always consistent. There is a different credit analyst phone number, which I don't want to look for right now, PM me if you want. But seriously, you win some, you lose some; what you shouldn't lose is your sleep over little things.
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Seriously, the Barclay apologists are starting to piss me off. Of course I know why Barclay is doing this from their perspective, but I don't give a damn. We don't need a sermon from the Barclay apologist of why they are doing this, what we need is creative solutions to how to get past their policy/restrictions.
This is FT, we do churning. Have to wait for 12mth without an app in order to get approved kills the churning. FYI, I have done 6mth without an app, and they won't budge. Having said that, I'll offer a constructive solution, although probably not the best solution. Since Barclay is so sensitive to recent inquiries, it seems the only way to get past them if you want their cards is to bump off all your hard pulls. Unfortunately, that cost money and time, so to each his own. |
I am feeling your pain! :D
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I got instant approved for Arrival card, spent $1300 within several days, then a month later received a note from Barclay said....they will close my account because too many accounts (from chase, amex....etc) open in short period time.... they closed my account, took my points away.....i moved on to SPG Amex card.......and sleep well......will get them next time.
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Originally Posted by wagon297
(Post 21777749)
I got instant approved for Arrival card, spent $1300 within several days, then a month later received a note from Barclay said....they will close my account because too many accounts (from chase, amex....etc) open in short period time.... they closed my account, took my points away.....i moved on to SPG Amex card.......and sleep well......will get them next time.
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Was approved for a Barclay's US Airways MC 5k line today. 4 hard inquiries, 750 credit score.
Just a data point--I was denied about 6-9 months ago when I had a few more inquiries and a slightly lower score, figured I'd give it a shot after this Barclay's card is the only one I'm really interested in, especially since it's going away soon. I |
Originally Posted by Rommie2k6
(Post 21764044)
I had it with Barclays. Those .......s are just a bunch of idiots .....es/.......s, that's impossible to do any business with them.
I have been denied twice in a row, even skipped them in my last AoR. Not enough activity on your card, too many credit cards recently opened. Maybe you should wait for 12mths(!?!) and not open any cards and reapply... up yours dude!!! They even record down your calls, so that the next person you spoke to knows what you talked about previously! Hanging up and calling back doesn't seem to work. And those .......s won't even negotiate. I offered to cancel my existing card, but no they won't budge. Since my existing card has an AF, and I am not using it, I am canceling my one and only card with those SoB. Besides, I have another 20 tradelines in my report, so my AoA won't be affected. Maybe us flyertalkers should just boycott them entirely! If you get a signup bonus, fine. But sock drawer it and don't use it for normal spending (if flyertalkers have normal spending at all).
Originally Posted by Rommie2k6
(Post 21776657)
Seriously, the Barclay apologists are starting to piss me off. Of course I know why Barclay is doing this from their perspective, but I don't give a damn. We don't need a sermon from the Barclay apologist of why they are doing this, what we need is creative solutions to how to get past their policy/restrictions.
This is FT, we do churning. Have to wait for 12mth without an app in order to get approved kills the churning. FYI, I have done 6mth without an app, and they won't budge. There may be a lot of CC churning on here but it's those that apply a modicum of intellect and patience to their churning that get what they want. Ranting and raving about how a bank is this that or the other just because they did their job seems to imply a high level of entitlement on your part and I'm struggling to understand the issue. If you don't like their rules then don't play their game - why would they change their rules for you? You wanted constructive suggestions? Move on to easier pickings or knuckle down and conform to their requirements. p.s I don't hold any Barclays cards and never have so I guess I'm not a Barclays apologist. |
Barclays makes one strange business decision. They approved me with a tiny credit limit for a USAir card. Even if I wanted to switch my spending and make them the primary card it could not handle my monthly expenses.
So, they ended up paying the sign up bonus to me, but have no chance to really earn my business. Shrug. There is still room in the tin of shame. |
Originally Posted by highops
(Post 21779979)
Barclays makes one strange business decision. They approved me with a tiny credit limit for a USAir card. Even if I wanted to switch my spending and make them the primary card it could not handle my monthly expenses.
So, they ended up paying the sign up bonus to me, but have no chance to really earn my business. Shrug. There is still room in the tin of shame. |
Why Barclays? There are so many other better cards out there! I haven't applied for a Barclay's card so I don't carry one. But I am quite satisfied with Citi, Amex, and Chase and the financial services they offer that can be linked to the CC. So again, why Barclays?
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Originally Posted by guyinmotion
(Post 21780237)
Why Barclays? There are so many other better cards out there! I haven't applied for a Barclay's card so I don't carry one. But I am quite satisfied with Citi, Amex, and Chase and the financial services they offer that can be linked to the CC. So again, why Barclays?
$400+ credit for travel with Barclay Arrival card. |
Originally Posted by guyinmotion
(Post 21780237)
Why Barclays? There are so many other better cards out there! I haven't applied for a Barclay's card so I don't carry one. But I am quite satisfied with Citi, Amex, and Chase and the financial services they offer that can be linked to the CC. So again, why Barclays?
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Originally Posted by particlemn
(Post 21780042)
i had the same problem when i applied 8 months ago they gave me a 1k limit, i charges on charge paid it off took the 35k, 6 months later i canceled the card on the phone they said ok and canceled it, 2 momths later i applies again and this time was approved for morethan 10 times the limit last time, probably will only get the one swipe but at least it has options
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Originally Posted by guyinmotion
(Post 21780237)
Why Barclays? There are so many other better cards out there! I haven't applied for a Barclay's card so I don't carry one. But I am quite satisfied with Citi, Amex, and Chase and the financial services they offer that can be linked to the CC. So again, why Barclays?
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Originally Posted by gtu2004
(Post 21780802)
Coz you don't know what barclays cards can offer
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Originally Posted by LETTERBOY
(Post 21781864)
If you want a shot at LH F more than two weeks out, you need to have Miles and More miles, and Barclays issues the LH/Miles and More credit card.
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Originally Posted by waingro
(Post 21780798)
35,000 US Air miles after first purchase.
$400+ credit for travel with Barclay Arrival card. Thank you Waingro. Looking at all the freebies that come with their products, the cards are perfect for churning. If that is what's interests people here. |
I signed up for the Barclay's Arrival card and had no issues.
However when I signed up for the other Barclay's card, the US Air card that prompted a manual review. It wasnt an instant approval. And Im still waiting on the US Air card decision :( |
I have a 5k limit on my Sallie Mae, and My wife just got the Barclays Rewards, both instant approval.
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Originally Posted by agp423
(Post 21770046)
Getting credit is like getting girls. The less you seem to care, the less you need them, the more offers and approvals you get. Don't get desperate or you will get nothing.
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Originally Posted by Stripy
(Post 21779493)
If the tone of your calls to reconsideration are anything like the tone of your posts then you don't have a snowball's chance in hell of getting anywhere.
Was initially denied the Arrival card. Called the recon number. Had a pleasant 2-3 minute conversation with the CSR, was approved. |
Decided to get the card to see what the hype is all about. Hope I am not disappointed. The 2x miles per $ is an interesting value proposition.
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My DH recently obtained the Barclay's US Airways MC. After having the card just a few days and making a few purchases he went had gone to the dentist as was going to use it there. The receptionist swiped the card and said that the message on her display said "expired." She tried again two more times after that & same message. So when DH got home he called Barclay's and they also told him that his card had expired and they will be sending him another. All of his charges had been minimal. No MS spending. At the time it showed up in online banking 3 pending charges for the dentist. It's been a few weeks & no card. Statement closed & bonus posted to account. Recent credit report shows the account is still active. We were going to close the account eventually so not sure if we'll call them for a replacement card or just call them in a few months to close.
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That's weird. Do you churn cards? The originator of this post and others apparently have had problems with Barclays because of churning.
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Originally Posted by jt58203
(Post 21850583)
...It's been a few weeks & no card. Statement closed & bonus posted to account... just call them in a few months to close.
And I would wait more than just a few months before closing. I keep cards open at least 10 months (to indicate that I am actually using and trying the card out, and not just churning it). And in the case of this US Airways card you might want to wait until the 11-12 month mark (i.e., up until about the time when the annual fee for the following year comes up) because typically a 10,000-mile renewal bonus (even if you end up not renewing) will post into your account. |
Barclay's is appreciated for the free FICO score feature with the US Air MC. Nice...
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Originally Posted by Tailgater
(Post 21857094)
Barclay's is appreciated for the free FICO score feature with the US Air MC. Nice...
Another nice thing about Barclays is that they offer the very-easy-to-get-a-bonus-for US Airways credit card: 35K miles after first spend. |
Barclaycard customer service woes
Is it me or is Barclay's customer service pretty much non-existent? I have one of their cards that gives points for purchases made. They promised me a few thousand points. After 4 different phone calls on 4 different occasions, the only conclusions that I can draw is that the ... in the call center are simply incompetent -- or they purposely lie. I've been promised time after time after time after time when the points will post. Last time it was, "Wait until your billing statement cycles, then you will see the points..."
GUESS WHAT HAPPENED? Now, I've been told (AGAIN) that I must wait another month, "and then the points will post..." I don't believe them, and I have a few questions: 1. Is this common - that the call center is always to no avail? 2. Where are the ... located? I can't make out the accent. 3. I always ask for a supervisor and after being put on hold for about 30 seconds I get a second ... that sounds just like the original .... Is this common? 4. Do they lie on purpose? Are they merely incompetent? Thanks for any information and thank you FT for letting me vent. |
I've received my first Barclay cc 1-2 months ago (I mostly bank with Chase). While I was skeptical about Barclay's products at the beginning, I am so far quite satisfied with their service. I had a small problem activating my tripit pro account but it was resolved within 24hours. So what you describe above is not the norm, at least according to my experience. Hope things get resolve quickly for you.
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Interesting Barclay blog entry on how they decide CLI and CLD. This would have been helpful to the OP:
Part 1 Part 2 Look at the left side of the graph in part 2. That is where most of us live. Edit: Maybe someone should show a 15% balance on 150K open credit and see if that works in getting card #3 or more. |
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Marathon, not a sprint! :)
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Got denied from Barclays on my last nfl churn. So was concerned they would deny the arrival card, as last nfl rejection was about 4 months or so. Low and behold they approved the arrival, 10k cl.
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It was a business decision on their part, nothing personal.
You want the card put some money in their bank, Barclay is a good bank, Chase just has a lower risk rate, Look in the mirror and clean it up, or move on. 90k and 740 is average in this world. Not good, not bad after taxes 45k in the real world, Taxes and bills seem to cut into the spend of 3000 a month charge, Barclay is keeping score, it is not a game to them, just a business. Wait 4 months and re apply, happens |
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