No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
@Simply827 wrote:Here's what Barclays thinks:
We define “bad behavior” as:
- Credit losses or charge offs – these are balances charged by our cardmembers who subsequently stopped making monthly payments
- Balance attrition - these are balances that, for example, were charged by our cardmembers who then decided to transfer them to another lender
- Inactivity – opening a card but never using it to make purchases or transfer balances
And the “good behavior” is:
- Carrying a balance and making at least a minimum payment every month (to avoid becoming a credit loss)
- Transferring a balance to our card - from another lender’s card
- Actively using the card every month
Wow this seems to fit the pattern we have found so far
Much thanks
@staifokuzed wrote:
Boost disappeared for me as well. I emailed and was told my account was not eligible and that they would email me once i was eligible. But i used it a month prior. I chalked it up as a whatever. Funny thing it is listed on my statements.
Do you all still get the emails for Boost?
@djc1puno wrote:
Sorry...whats the boost program? Is that only for specific barclay card?
You get extra points for shopping online
@myjourney wrote:
@Simply827 wrote:Here's what Barclays thinks:
We define “bad behavior” as:
- Credit losses or charge offs – these are balances charged by our cardmembers who subsequently stopped making monthly payments
- Balance attrition - these are balances that, for example, were charged by our cardmembers who then decided to transfer them to another lender
- Inactivity – opening a card but never using it to make purchases or transfer balances
And the “good behavior” is:
- Carrying a balance and making at least a minimum payment every month (to avoid becoming a credit loss)
- Transferring a balance to our card - from another lender’s card
- Actively using the card every month
Wow this seems to fit the pattern we have found so far
Much thanks
Whew! They gave me a 0% BT offer a couple of months ago, and I took advantage of it. Maybe I'll be safe, then.
@armbenderc wrote:
This thread is very interesting.
Yes it is and getting even better in answering our questions
@staifokuzed wrote:
Simply is that a legit list from Barclay. Cause that explains them to a T. Seems that is the algorithms that the boss aka computer follows. The analyst don't really agree with it so that is why they have such a good recon. Really this computer has to be cracked. A year from now there will be long guide to Barclay computers similar to that of Amex....
Fits them to a tee we may have found some true answers