Any Red Flags for a Single Purchase

[beachbum33]

I was just approved for the Barclay's Rewards and wanted to take advantage of the 0% for 6 months, is it ok to make a single large purchase($1200) on the card ( $2000 limit) and pay down the balance during the 6 month period??? Not applying for anything else during this period.

[Creditaddict]

Of course... They gave you 2k... If they don't like you using up to the 2k they can have it back and go elsewhere... Don't worry

[FinStar]

Not sure about red flags but it will skyrocket your utilization on this card alone - that's if you're concerned about any score impacts.  It probably won't hurt contacting Barclays to let them know you anticipate making a large purchase of X amount so they're aware in case that any issues arise.

[FinStar]

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@Creditaddict wrote:
Of course... They gave you 2k... If they don't like you using up to the 2k they can have it back and go elsewhere... Don't worry

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Not all cards work the same - especially when dealing with a brand new account.  And anecdotal experiences with Barclays points them in the quirky category.  Best practices always help in case issues arise.

[beachbum33]

I'm really not concerned about my score, none of my cards are over 10% now and none of them have been over 50% since starting to rebuild 3 yrs ago, I just didn't want it declined by Barclays and then have them close my account like they do for inquiries.

[FinStar]

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@beachbum33 wrote:

I'm really not concerned about my score, none of my cards are over 10% now and none of them have been over 50% since starting to rebuild 3 yrs ago, I just didn't want it declined by Barclays and then have them close my account like they do for inquiries.

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No reason to be concerned whatsoever, they won't close it due to the large purchase amount.  And, they are offering the 0% promotion for a reason.  My suggestion was simply to contact them to let them know about the anticipated amount (so they can note your account) as the purchase would represent ~60% of your current CL.

[wagsk1]

I wouldn`t worry. Wife just approved for world card with a 10k cl and we just charged a 6k vacation on it with no problem.

[Luscher]

I would call them and tell them that you are going to make the purchase. Since the account is so new

[wHiTeSoL]

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@Luscher wrote:
I would call them and tell them that you are going to make the purchase. Since the account is so new

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@Anonymous this! My Barclay card is about 3 months old, I made a $1500 purchase on a $2500 CL and it went through just fine. The next morning @ 8am Barclay calls me about some suspicious transactions. I sleepily tell them it was me and to next time to call after 10am!