> Yay!!! Congrats!.. no Worries about Barclays! i've never had any problem in 5 years with them> just recently converted all of my Accts to Barclays Ring, they will take care of that issue Quick fast.. That rep didn't know what she was doing. i'm sure it's an isolated incident> I love CAPITAL ONE > welcome! > i know you said ( he dosen't want a card) Please please.. have him use that Cap 1 Card, they like use use use & Payments, hit the (CLI) request button every 6 months, don't accept the 1st offer, go back 3 days to a week later Accept offer when it's in the thousdands.. repeat every 6 months> Not before!
@Anonymous wrote:
My husband had a bankruptcy in 2009 (before we were married) after the economy tanked and he lost his job. Because of this experience, for years he vowed never to have a credit card again. I finally convinced him earlier this year to get at least 1 card, even if he just used it for car rentals. He got the Barclays Rewards with a $2K limit. Yesterday he noticed two charges on the card, one for $1100 and one for $465, which threw him over his limit. He never received any kind of notice from Barclays he was OTL, and these two charges to the same place right after each other were not flagged as fraud. So he called them immediately and the CSR was terrible. At first, she didn't want to cancel the card and issue him a new one. She said she would send it for internal audit and that would take 45 days. My husband told her he would not be paying any fees nor any interest on those charges. The CSR continued to argue that there was nothing she could do. In the end she canceled the card and issued a new one, but he still has to go through the audit. By the time he got off the phone, he was livid and said he was going to pay off his charges and close the account.
He had been impressed with the instant text alerts I receive from Cap1 whenever a charge is made, so I convinced him to do the pre-qual and see what they could offer him. He did it, decided to choose the Quicksilver over the Venture, applied and was instantly approved for $10K! So this Barclays debacle was a blessing in disguise, since he went from a $2K limit with 22.9% APR to $10K with $17.9 APR.
Has anyone else ever had a fraud complaint from Barclays? I've had fraud on my personal bank debit card before (not Barclays), and have never had it take 45 days or for them to refuse to let me still have that amount available while the fraud gets worked out. Is this a typical thing? It seems like Barclays is doing the wrong thing here. They won't unfreeze my husband's available funds until the fraud is cleared, and being over the limit will definitely hurt his utilization until that time. I don't understand this bank at all, and it's making me worried about the card I have with them.
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