Arrival+ card holders

[Gmood1]

Personally I'd get in with a one stop shop credit union such as PenFed. Once in you'll save more on better rates than a travel card could give you. As the door opens you'll have access to all their offers. Auto loans, mortgages, Credit cards etc. I still have a foreclosure on my reports. But since becoming a member, I get the same rates on auto loans as someone with a 850 score and no blemishes.

[Anonymous]

I got the arrival+ this January. My TU score at the time was 740-749 (forgot) and had 4 inquiries on TU dated {Sep,Sep,Nov,Dec} of 2014. No negative records. At that time I have no prior exposure with Barclay's credit card branch.

I downgraded this card recently to no-fee version. There're now alternatives to this card i.e. Double Cash, Travel Rewards w/ Platinun Honors

[CreditCuriosity]

None of the barclay cards are "hard" to get .... What SL you get is the only factor where profile/score really comes into play...   They will give you and Arrival+ probably with a 650 TU, but a low starting line of 1500-2k.  Now a 800 TU would probably get a 10-15k SL... Just generations, but found this somewhat to hold true with Barclay's.

[Anonymous]

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@CreditCuriousity wrote:

None of the barclay cards are "hard" to get .... What SL you get is the only factor where profile/score really comes into play...   They will give you and Arrival+ probably with a 650 TU, but a low starting line of 1500-2k.  Now a 800 TU would probably get a 10-15k SL... Just generations, but found this somewhat to hold true with Barclay's.

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This is good to know. I will most likely wait until March and then apply for it.

[noobody]

2.1% cash back on travel with $89 AF and $100 redemption threshold is not worth it beyond signing bonus in my book.

I closed the account even they waived AF on 2nd year

[Open123]

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@noobody wrote:

2.1% cash back on travel with $89 AF and $100 redemption threshold is not worth it beyond signing bonus in my book.

I closed the account even they waived AF on 2nd year

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+1

Right, with the litany free 2% pure cash back cards today, unless one has exorbitant spending abroad, there's no compelling reason to pay a fee for a 2% pseudo cash back card.

[Anonymous]

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@Open123 wrote:

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@noobody wrote:

2.1% cash back on travel with $89 AF and $100 redemption threshold is not worth it beyond signing bonus in my book.

I closed the account even they waived AF on 2nd year

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+1

Right, with the litany free 2% pure cash back cards today, unless one has exorbitant spending abroad, there's no compelling reason to pay a fee for a 2% pseudo cash back card.

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I'd agree with you if OP had great credit. With a 2011 BK7, some doors are going to be closed (maybe DoubleCash)?

And unless it's in a retirement or other BK-protected account, I'm not sure if OP can put $100k in investments into BofA for Platinum Honors 4-5 years after a BK 7.

By the time it's sensible to close Arrival+, OP should have some better alternatives.

[Anonymous]

My DW recently got the card with a 680 TU score and a $3500 limit. She has over 700 scores on her other 2 bureaus but a medical collection dated 4/14 only showing on TU and $95,000 in total accounts reporting at time of approval.

I think you could get approved. Your Bk is over 4 years old and you have other established credit.

[Anonymous]

I would try to fatten your file with carefully selected cards you have odds in your favor of getting.

Try the Cabelas Visa. That may work.