Barclay Card Application

[Anonymous]

I was referring to usage. I never use more than 10% of the CL, but always report around 1 to 2%. My concern was using more than that 10%, will the CC's look down upon that or it just doesnt matter as long as it is PIF.

[0REDSOX7]

BArlcays hasn't said anything to me for using it a ton...

Plus, the rewards are pretty awesome.

[Anonymous]

Perhaps I should change my bump it up a bit., but I have read try to keep under 30% on usage. Using 10% of 500.00 CL is a little tough.

[0REDSOX7]

Could always charge 490 or so and pay the day before it cycles...

[tallin32]

I've been using my Barclay's instead of my debit card and just making sure that only a small percentage reports when the statement cuts.  This has not caused credit score issues, and I've been accumulating rather a large number of reward points.

[Scupra]

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@Anonymous wrote:

Thanks for the info on that. Maybe I need to go over that 10% rule I set for myself. Only 4 months out 13 so being very cautious on what I do.

Are you going to pull the trigger? 

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Haven't decided yet! The bonus miles are awesome though. I could use them it's also a plus Barclay combines limits if I ever close it 

[Anonymous]

Wishing you the best of luck if you decide to go for it. Sounds like a nice card.

[TRC_WA]

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@Scupra wrote:

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@Anonymous wrote:

Thanks for the info on that. Maybe I need to go over that 10% rule I set for myself. Only 4 months out 13 so being very cautious on what I do.

Are you going to pull the trigger? 

---

Haven't decided yet! The bonus miles are awesome though. I could use them it's also a plus Barclay combines limits if I ever close it 

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Yep... I had an Apple Financing VISA card that was 16 months old... limit $2200.  Absolutely 0 rewards (apparently the new Apple card rewards points for gift cards but the one I had didn't have any)... It was worthless beyond the initial 0% purchase that you made when opening the account.

So when I went on my spree last month and was approved for a $4500 Sallie Mae I moved my $2200 Apple CL to that card and closed the Apple... $6700 Sallie Mae.

It's my go to card... 5% back on the first $250 in both gas and groceries and on the first $750 each month in bookstores (Amazon.com) and 1% on everything else.

Go Barclays!

[Scupra]

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@TRC_WA wrote:

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@Scupra wrote:

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@Anonymous wrote:

Thanks for the info on that. Maybe I need to go over that 10% rule I set for myself. Only 4 months out 13 so being very cautious on what I do.

Are you going to pull the trigger? 

---

Haven't decided yet! The bonus miles are awesome though. I could use them it's also a plus Barclay combines limits if I ever close it 

---

Yep... I had an Apple Financing VISA card that was 16 months old... limit $2200.  Absolutely 0 rewards (apparently the new Apple card rewards points for gift cards but the one I had didn't have any)... It was worthless beyond the initial 0% purchase that you made when opening the account.

So when I went on my spree last month and was approved for a $4500 Sallie Mae I moved my $2200 Apple CL to that card and closed the Apple... $6700 Sallie Mae.

It's my go to card... 5% back on the first $250 in both gas and groceries and on the first $750 each month in bookstores (Amazon.com) and 1% on everything else.

Go Barclays!

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I guess worst case it's a HP CLI lol The Arrival and cashRewards get almost all my usage now. I am flying to VA in September and would pretty much be using the card for that and then closing. I can't see paying an AF on the Arrival and USAirways. Not sure if I want to take the hit in AAoA to cash out on the miles and close after a year. Decision decisions I guess. 

[Anonymous]

Hmmm. Not sure its worth that HP, but tempting.