Reply
Valued Contributor
Posts: 1,126
Registered: ‎10-15-2011
0

Re: Barclay NFL Card

I don't have this card, but I did get the Barclay's Financing card and a little later realized they had a rewards card.  I was told that I couldn't PC unless I reapplied, so I did.  They told me they had to review my account.  I called to recon it and was told they were denying it and closing my Financing card too.  I argued a bit with two different people and demanded to speak with the manager about this, the same rep came back and said they would open the account but close the financing card.  They told me what my limit would be and then when I checked the card online it was half what I was told.  I did some more recon after about a month using help from the BBB and got my limit set to what they told me it would be. 

 

They do specials all the time.  I was offered 1,000 bonus points on the card if I spent $100 a month each month Nov, Dec, Jan.  This amounts to a $10 credit.  I also had to recon the bonus points for signing up, which was only 2,500, but at least it is something.  I think by the time Jan comes and I redeem the points I will have about a $50 credit.  I wish I were willing to pull the trigger for a $400 reward, I can't even believe they could make money off a card by offering it!  I haven't spent $400 in interest in the last 6 years!  I haven't even spent $50 in interest in that time period!



Rethink every purchase you make, before you make it. Use the card with the best rewards. Pay in full each month. Redeem rewards often. Use the cards online shopping for more discounts. Smile, knowing that being thrifty allows you to actually get more out of the same amount of money!
Established Contributor
Posts: 760
Registered: ‎02-11-2012
0

Re: Barclay NFL Card

Remember, cc companies make money on interest charged on balances and the fees they charge merchants like myself. Rewards cards can cost me up to 7% of the gross charged. I as a merchant must build in more overhead to be able to cover these fees/rewards when they occur. In the end, all consumers pay more for their goods and services. There is no such thing as free money.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)


Remember the Three P's: Pay early in Full, Pay on Time, Patience
Established Contributor
Posts: 799
Registered: ‎09-16-2012
0

Re: Barclay NFL Card

Dang debbiedoubter,  I mean bettercreditguy. 

I was looking at this card 'til now.  lol

Valued Contributor
Posts: 1,384
Registered: ‎01-14-2009
0

Re: Barclay NFL Card


bettercreditguy1 wrote:

Remember, cc companies make money on interest charged on balances and the fees they charge merchants like myself. Rewards cards can cost me up to 7% of the gross charged. I as a merchant must build in more overhead to be able to cover these fees/rewards when they occur. In the end, all consumers pay more for their goods and services. There is no such thing as free money.



racer-x wrote:

Dang debbiedoubter,  I mean bettercreditguy. 

I was looking at this card 'til now.  lol


Although what bettercreditguy1 said is true, it won't dissuade me from using rewards credit cards.

Senior Contributor
Posts: 3,930
Registered: ‎10-26-2012
0

Re: Barclay NFL Card

Congrats!!! I just applied for this card this morning and was approved for a CL of $1000.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.