@taxi818 wrote:
He wrote the check out to himself. And they cashed it. Then he paid everything down. Maybe that is key. He should have just did normal bt. Inputting credit card info and let them bt. His usage is only 25%. So no reason for AA. No new apps in a year either. Me on the other hand. I have 30% usage. Tons of apps. (12 ) in the last year. 3 in the last 9 months. Or since last month. No a word from them.
Dont think that makes a difference. I've written two to myself w/o issues. That's why they send the checks.
@Anonymous wrote:
@taxi818 wrote:
He wrote the check out to himself. And they cashed it. Then he paid everything down. Maybe that is key. He should have just did normal bt. Inputting credit card info and let them bt. His usage is only 25%. So no reason for AA. No new apps in a year either. Me on the other hand. I have 30% usage. Tons of apps. (12 ) in the last year. 3 in the last 9 months. Or since last month. No a word from them.Dont think that makes a difference. I've written two to myself w/o issues. That's why they send the checks.
Hmm. I've never had any issues yet doing BTs with Barclay, but I've never used the checks either. Maybe it's a combination of factors that causes the AA after a BT. Like lack of use, or low use for a long time, and then all the sudden a large BT? I don't know. I know there have been quite a few people that experienced AA shortly after doing a BT with them, but I just feel there is something else causing the AA and it's not just because Barclay doesn't like BTs.
@Anonymous wrote:
@Anonymous wrote:
@taxi818 wrote:
He wrote the check out to himself. And they cashed it. Then he paid everything down. Maybe that is key. He should have just did normal bt. Inputting credit card info and let them bt. His usage is only 25%. So no reason for AA. No new apps in a year either. Me on the other hand. I have 30% usage. Tons of apps. (12 ) in the last year. 3 in the last 9 months. Or since last month. No a word from them.Dont think that makes a difference. I've written two to myself w/o issues. That's why they send the checks.
Hmm. I've never had any issues yet doing BTs with Barclay, but I've never used the checks either. Maybe it's a combination of factors that causes the AA after a BT. Like lack of use, or low use for a long time, and then all the sudden a large BT? I don't know. I know there have been quite a few people that experienced AA shortly after doing a BT with them, but I just feel there is something else causing the AA and it's not just because Barclay doesn't like BTs.
I'm not sure why it causes AA (if it does). Yes, I'm sure Barclays does a review of your account but I think all these CC companies conduct reviews any time you bring attention to your account. That could be a balance transfer, a credit limit increase request, a credit limit reallocation/combination or any other reason that you draw attention to your account. I think that you're right about it being something else that causes the AA
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@taxi818 wrote:
He wrote the check out to himself. And they cashed it. Then he paid everything down. Maybe that is key. He should have just did normal bt. Inputting credit card info and let them bt. His usage is only 25%. So no reason for AA. No new apps in a year either. Me on the other hand. I have 30% usage. Tons of apps. (12 ) in the last year. 3 in the last 9 months. Or since last month. No a word from them.Dont think that makes a difference. I've written two to myself w/o issues. That's why they send the checks.
Hmm. I've never had any issues yet doing BTs with Barclay, but I've never used the checks either. Maybe it's a combination of factors that causes the AA after a BT. Like lack of use, or low use for a long time, and then all the sudden a large BT? I don't know. I know there have been quite a few people that experienced AA shortly after doing a BT with them, but I just feel there is something else causing the AA and it's not just because Barclay doesn't like BTs.
I'm not sure why it causes AA (if it does). Yes, I'm sure Barclays does a review of your account but I think all these CC companies conduct reviews any time you bring attention to your account. That could be a balance transfer, a credit limit increase request, a credit limit reallocation/combination or any other reason that you draw attention to your account. I think that you're right about it being something else that causes the AA
In the last thread on this topic, the OP after questioning admitted to having some collections / lates on their reports. In my mind, accounts with derogatory items, even small ones, are looked at with suspicion by banks even though they get approvals. It's probably a bucket of some kind, "riskier assets" or something. AA is probably never far away in that bucket. The upshot is, you need to know what makes a healthy profile vs. a riskier one, and cultivate a healthy one. Then you can use your cards as you want to, without needing to worry.
@Anonymous wrote:
@taxi818 wrote:
He wrote the check out to himself. And they cashed it. Then he paid everything down. Maybe that is key. He should have just did normal bt. Inputting credit card info and let them bt. His usage is only 25%. So no reason for AA. No new apps in a year either. Me on the other hand. I have 30% usage. Tons of apps. (12 ) in the last year. 3 in the last 9 months. Or since last month. No a word from them.Dont think that makes a difference. I've written two to myself w/o issues. That's why they send the checks.
I agree. I'm riding one right now that I wrote to myself in September. If they're going to keep burying me in these 1% fee, 0% APR checks, I'm going to use them.
@Anonymous wrote:
@Anonymous wrote:
@taxi818 wrote:
He wrote the check out to himself. And they cashed it. Then he paid everything down. Maybe that is key. He should have just did normal bt. Inputting credit card info and let them bt. His usage is only 25%. So no reason for AA. No new apps in a year either. Me on the other hand. I have 30% usage. Tons of apps. (12 ) in the last year. 3 in the last 9 months. Or since last month. No a word from them.Dont think that makes a difference. I've written two to myself w/o issues. That's why they send the checks.
I agree. I'm riding one right now that I wrote to myself in September. If they're going to keep burying me in these 1% fee, 0% APR checks, I'm going to use them.
Exactly my feeling.
@Bman70 wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@taxi818 wrote:
He wrote the check out to himself. And they cashed it. Then he paid everything down. Maybe that is key. He should have just did normal bt. Inputting credit card info and let them bt. His usage is only 25%. So no reason for AA. No new apps in a year either. Me on the other hand. I have 30% usage. Tons of apps. (12 ) in the last year. 3 in the last 9 months. Or since last month. No a word from them.Dont think that makes a difference. I've written two to myself w/o issues. That's why they send the checks.
Hmm. I've never had any issues yet doing BTs with Barclay, but I've never used the checks either. Maybe it's a combination of factors that causes the AA after a BT. Like lack of use, or low use for a long time, and then all the sudden a large BT? I don't know. I know there have been quite a few people that experienced AA shortly after doing a BT with them, but I just feel there is something else causing the AA and it's not just because Barclay doesn't like BTs.
I'm not sure why it causes AA (if it does). Yes, I'm sure Barclays does a review of your account but I think all these CC companies conduct reviews any time you bring attention to your account. That could be a balance transfer, a credit limit increase request, a credit limit reallocation/combination or any other reason that you draw attention to your account. I think that you're right about it being something else that causes the AA
In the last thread on this topic, the OP after questioning admitted to having some collections / lates on their reports. In my mind, accounts with derogatory items, even small ones, are looked at with suspicion by banks even though they get approvals. It's probably a bucket of some kind, "riskier assets" or something. AA is probably never far away in that bucket. The upshot is, you need to know what makes a healthy profile vs. a riskier one, and cultivate a healthy one. Then you can use your cards as you want to, without needing to worry.
Well said!
