BT to Barclays when I want to apply for another Barclays

[907grown]

I got a BT offer on my rewards card, it's cruddy, 0% until 6/16 with a 1% transfer fee, but hey, it's something. 

I have a PIF balance with them so they may be requesting some activity on the card by doing this.

either way, I have some balances on other cards that will exist even after the 0% runs out so I wanted to balance transfer in November, hopefully to a Barclays ring (score dependent, last time I checked 702, probably a little higher now)or another Barclays card that offers 0% APR on BT for 15 months.

so my question becomes would it be a good move or bad move to transfer a small balance (1500) over to my rewards (4350 CL) before applying with them for a new card in November?

[NRB525]

A 1% BT Fee for a 6 month 0% APR is not at all cruddy. It's a very good deal in fact.

What is cruddy is paying 3% or 4% in a BT fee for 6 months.

Do the BT. I really doubt it is going to affect your next app with Barclays. If anything, it starts to show them usage and payments by the time your November app comes around.

[907grown]

Thank you for the insight!! I have a personal struggle with this card. I got it in 2013 with a 500 CL. I've always had the 24.99 interest rate which irks me and I am so careful to never incur interest with them.

i go back and forth on what to do with it. I cut it up, I don't even have it anymore. I do need to BT for a little activity.

im doing it!!!

thank you😀

[NRB525]

It's a good BT offer.

I don't understand why people cut up an active card. I just don't get it.

Enjoy the BT savings, and good luck with the next app!

[907grown]

Thank you!

[noobody]

BT increase internal score with Barclay, and inactivity decrease it, i suggest you do it.

[Simply827]

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@noobody wrote:
BT increase internal score with Barclay, and inactivity decrease it, i suggest you do it.

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+1

Yep, they love BTs. I also like that you can deposit directly into your checking account and that you can make new purchases without incurring interest as long as you PIF new purchases. I wish all lenders adopted Barclay's BT policies.

[Anonymous]

There is not enough discussion about internal scores.  people talk about certain trends,  luv for capital one and so on,  and I think some people have better insight.  I agree that Barclays likes lots of money moving in and out and it doesn't matter of the balance transfer a car down payment or anything else

[icyhot]

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@NRB525 wrote:

It's a good BT offer.

I don't understand why people cut up an active card. I just don't get it.

Enjoy the BT savings, and good luck with the next app!

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I do it all the time. If I don't plan on keeping it for long I don't even want it taking up space