I'm surprised this product is still around. Why not just put the Apple product on a Bill Me Later acct?
IF I had the Apple Financing Visa or card or whatever it's called, I would close it. Simply because Barclays is one of the more difficult lenders when it comes to 2 or 3 cards and the US Airways card is too churnable to let Apple take up one of those slots 
@taxi818 wrote:
You can't is what I meant to say. You can't PC it. You should never close a card. Because of util and aaa. But you can wait for them to close or buy a donut once in a while. And pay in full.
I'd say this is half true. AAoA isn't affected since accounts report for 10 Years after closing. Utilization however can be affected if you have limited credit available in which case you may want to move the limit to another card.
I had a Barclay Rewards MC during my rebuilding phase. After a year the card had aboslutely no use to me and I wanted to close it. I called the Barclays backdoor number and had the limit transferred over from that card to my Ring card and closed my Rewards card. My AAoA and Utilization was not affected. The CR will show that the card was closed by customer's request and since it was at least a year old, there won't be any red flags.
I'd say if you're looking to at least get in with Barclays and benefit from this card with an Apple purchase, go for it. Use it for a year, build a strong relationship with Barclays and if after a year they won't PC it, apply for another one of their cards and if you aboslutely feel the need to close this one, transfer the CL.
People often hate on Barclays but I've never had any issues with them and I've had two cards. My experience with customer service has actually been almost AMEX level and nothing shady has ever happened with any of my accounts.
@AvadaKedavra wrote:
I'd say if you're looking to at least get in with Barclays and benefit from this card with an Apple purchase, go for it. Use it for a year, build a strong relationship with Barclays and if after a year they won't PC it, apply for another one of their cards and if you aboslutely feel the need to close this one, transfer the CL.
People often hate on Barclays but I've never had any issues with them and I've had two cards. My experience with customer service has actually been almost AMEX level and nothing shady has ever happened with any of my accounts.
+1
I got the Barclay Apple card last year and used it for every month... $200-$500 and PIF. At 6 months I got an auto CLI from $1200 to $2200.
Well, my 12th statement cuts in a couple days. Balance is $0 having just paid off a $560 shopping spree from the past month. I'm expecting another auto CLI.
I may have the "worst" of the Barclay cards, but I'm in the door with them. When I feel the need to app for their better cards (like Sallie Mae) I don't see myself getting denied.
(I'm waiting till 2015 to app... Barclay likes to pull TU and ALL of the new accounts I opened in 2013 pulled TU, hence the reason my TU score is the lowest. Once these INQs age past 1 year my TU score should rebound and I'll be ready to app on 1/1/15)
BTW, regarding the balance transfers, I just got some transfer checks in the mail... 3.99% APR till 5/2015 with 4% fee... $10 minimum. Don't have a need for a BT though... I got this card to buy an iPhone at 0% and to get myself in the door with Barclays... and I've succeeded at both.
