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Valued Contributor
Posts: 1,666
Registered: ‎10-15-2011
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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!

It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
Established Contributor
Posts: 850
Registered: ‎02-11-2012
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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)XP 735 (FAKO)
Updated scores 05/01/17 EQ 824, TU 812 EXP 810 (all Fico scores) Remember the Three P's: Pay early in Full, Pay on Time, Patience
Valued Contributor
Posts: 1,054
Registered: ‎09-16-2012
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Re: Barclay NFL Card

Dang debbiedoubter,  I mean bettercreditguy. 

I was looking at this card 'til now.  lol

Valued Contributor
Posts: 1,532
Registered: ‎01-14-2009
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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: 3,928
Registered: ‎10-26-2012
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Re: Barclay NFL Card

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

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