Credit Cards Center Credit cards from our partners
Established Contributor
Posts: 508
Registered: ‎02-02-2013

Barclay is nice :)

I called to see what their typical protocol is for balance transfers and to inquire about when would be a good time to request a CLI if I desired to do so.  He actually asked to pull my credit report (credit analyst, not CSR) and I asked him if it would be a soft..he ensured me it was since it was almost like he would be reviewing my account rather than an increase. 


He said I had great payment history with them, and with my other creditors but he would suggest waiting for the 6-8 month mark to request from them.  He was very informative about the BT as well, explained it to me, costs, time frame etc.  I passed at the moment lol but I was shocked at the courteous and friendly service they offered!


So far Barclay and BOA are my favorites! Smiley Very Happy

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Valued Contributor
Posts: 1,920
Registered: ‎10-24-2013

Re: Barclay is nice :)


going from capitol one to barclay i felt the same way, they actaully make a point of insuring you feel like a human.

Established Contributor
Posts: 751
Registered: ‎06-06-2012

Re: Barclay is nice :)

Barclay's sent me a thank you card today for being a customer

Mega Contributor
Posts: 17,136
Registered: ‎08-08-2011

Re: Barclay is nice :)

Thanks for sharing. Really good to know.

Discover IT $16.5k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $9.5k / Walmart Mastercard $8k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit $5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $3.95k / Citi DC (WMC) $5.7k
Gardening Date 7/01/16 / MyFico 08: EQ 729 / TU 724 / EX 750 / 7/12/15
Regular Contributor
Posts: 149
Registered: ‎07-19-2010

Re: Barclay is nice :)

I just got approved for a card a few days ago and I was extremely impressed with the customer service from a credit analyst also. They are so nice. I am so use to getting incompetent reps from Cap 1, Walmart and HSBC. I also like the reps from Chase too.

Starting scores Jan 2011: EQ: 510(fico) TU:521(fico) EX?

Current 3B scores Oct 2016: EQ: 746 TU: 748 EX: 732
2017 Goal: reduce debt and purchase first home
Established Member
Posts: 13
Registered: ‎08-29-2013

Re: Barclay is nice :)

I spoke with a CA yesterday and was also impressed.  I know there have been some horror stories, but the guy I spoke with was very friendly, complimented my history with them so far and overall was a pleasant conversation.

Posts: 14,051
Registered: ‎04-15-2011

Re: Barclay is nice :)

I have the Barclay's NFL card, I've actually liked the card and the service.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Posts: 9,606
Registered: ‎09-22-2012

Re: Barclay is nice :)

suckaaa wrote:

I spoke with a CA yesterday and was also impressed.  I know there have been some horror stories, but the guy I spoke with was very friendly, complimented my history with them so far and overall was a pleasant conversation.

They always compliment my history too, I think it's part of their "script."  I agree with what others have said, I def see a change in their tone from even last year.  Now if they would loosen up on the AA....   yeah, wishful thinking.


Community Leader
Valued Contributor
Posts: 1,073
Registered: ‎05-28-2013

Re: Barclay is nice :)

[ Edited ]

Well, my 6 months mark with them is coming up...  we'll see how nice they are! Smiley Tongue  But yeah, they've been very accomodating right from the beginning.  I asked for a CLI right away after I received the card (did it online) and got a phone call from one of their reps within minutes.  He also  complimented me on my excellent credit history (probably reading from a script like everyone said here lol) and told me to give it a few more months.


So 6 months is coming up, I'm just gonna ask for 10k (2 x current CL) since I'm going to do some traveling pretty soon. 


Experian score (Amex) 734; Transunion score (Barclay) 732

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

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

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. 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.