Credit Cards Center Credit cards from our partners
Reply
Contributor
Posts: 93
Registered: ‎05-21-2013
0

Re: Barclaycard....Horrible Card


NewtoCredit80 wrote:

Well I would recommend that you now garden for 6 months and then apply for either a Amex or a GE card. Both have generous cli policies. Once you have good limits on any those cards then take an HP and apply cli on Chase freedom. Chase sometimes tries to match the existing credit limits. You now need to garden for 6 months. I am also planning to stay in garden for a year.

 


That is the plan, I just got a card from my CU for $2500 and that will be the last one for a while.

MYFICO SCORES: 06/2013 = 697 (TU) - 06/2013 = 685 (EQ) - 06/2013 = 666 (EX)

Capital One Quicksilver $2500 (07/2013) Walmart Credit Card $550 (06/2013) Barclaycard Rewards $1300 (06/2013) Chase Freedom $1500 (06/3013) Chase Amazon $500 (7/2013) TTCU $2500 (7/2013)
Jcrew $650 (06/2013) Express $500 (06/2013) Victoria Secret $350 (06/2013) Macys $300 (08/2013) Phillips 66 CU $6000 (08/2013) Capital One Venture $5000 (10/2013) Discover IT $1000 (10/2013) Chase Disney $1500 (10/2013)

DENIED: BOFA Unsecured (06/2013, EX)

Take the myFICO Fitness Challenge
Regular Contributor
Posts: 127
Registered: ‎03-07-2013
0

Re: Barclaycard....Horrible Card

If they cancel my card or CLD me it will be a cold day in H&LL before I ever darken their doorstep again. At that point they would not deserve any of my business. Very smug of them to say "come back in 6 months".

 

Several inquiries since I received their card. Just waiting for them to make their move.

 

 

 

 

Super Contributor
Posts: 13,084
Registered: ‎04-22-2013
0

Re: Barclaycard....Horrible Card


Matt6995 wrote:

If they cancel my card or CLD me it will be a cold day in H&LL before I ever darken their doorstep again. At that point they would not deserve any of my business. Very smug of them to say "come back in 6 months".

 

Several inquiries since I received their card. Just waiting for them to make their move.

 

 

 

 


This is a natural reaction to AA, but things might change.  Barclays is a very major world criminal organization, sorry, mean bank, and they are looking at beefing up their presence in the US markets.   They already have some good cards (e.g. Sallie Mae, US Airways, and Priceline before the nerfing) and so one day it might be worth getting their cards and playing by their rules, at least for a while!

Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

Re: Barclaycard....Horrible Card

Lol @matt...
"...darken their doorstep again"
Haha i like that.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
Posts: 756
Registered: ‎03-26-2010
0

Re: Barclaycard....Horrible Card

no big lose. I am not real happy with what is supposed to be a "prime" bank either. The customer service is mediocre at best since most of them don't speak English. I just hate dealing with over seas call centers. And its taboo to talk about them even though Americans need jobs. I don't get it.

Capital One Quicksilver Visa | Capital One Quicksilver Matercard | Sony Visa | ebay Mastercard | Best Buy Visa| Shell Mastercard | CareCredit | Amazon Rewards Visa | Discover it | Lowes | Home Depot | Chase Freedom | Ebates Visa | TJMAX Platinum MasterCard | Stash Signature Visa | Hilton Amex | Bank of America Cash Rewards Visa | Bank of America Better Balance Rewards Visa | US Bank Cash Rewards | Blue Cash AMEX | IHG Rewards Club World Mastercard | Barclay Cash Foward World Mastercard | Bank of America Travel Rewards Visa |
Super Contributor
Posts: 13,084
Registered: ‎04-22-2013
0

Re: Barclaycard....Horrible Card


jeffery581 wrote:

no big lose. I am not real happy with what is supposed to be a "prime" bank either. The customer service is mediocre at best since most of them don't speak English. I just hate dealing with over seas call centers. And its taboo to talk about them even though Americans need jobs. I don't get it.


As Barclays is a UK multi-national, given Americans jobs doesn't rank highly on its "return value to shareholders" scale.

New Visitor
Posts: 888
Registered: ‎05-26-2013
0

Re: Barclaycard....Horrible Card

As Barclays is a UK multi-national, given Americans jobs doesn't rank highly on its "return value to shareholders" scale.

 

Sadly it SHOULD be if they want American money/business, I think the "screw America" attitude will not work anymore, I just dont do business with companies that dont treat me well, there are MANY more out there.....jus sayin.....


Super Contributor
Posts: 6,178
Registered: ‎02-23-2011
0

Re: Barclaycard....Horrible Card


odd_dog wrote:

Sadly it SHOULD be if they want American money/business, I think the "screw America" attitude will not work anymore...


As good a reason as any to refrain from doing business with a company.  You should decide to do business or not on whatever reason you deem fitting. 

Super Contributor
Posts: 13,084
Registered: ‎04-22-2013
0

Re: Barclaycard....Horrible Card


Open123 wrote:

odd_dog wrote:

Sadly it SHOULD be if they want American money/business, I think the "screw America" attitude will not work anymore...


As good a reason as any to refrain from doing business with a company.  You should decide to do business or not on whatever reason you deem fitting. 


Yes, but it's the normal economic issues.  You want American jobs at good wages, cheap prices for goods, valuable rewards and low APRs on credit cards etc.  Not all go together for global enterprises.  As Open says, decide on whatever criteria makes sense to you.

Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
0

Re: Barclaycard....Horrible Card

I was thinking through this last night. Another possible reason may be because they are applying their credit model overseas onto their US markets. In a lot of countries, even 2-3 new accounts or inquiries will set off many red flags with all lenders, including US lenders with presence overseas, such as citi and Amex.

Credit is a lot more conservative in general in other countries.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).

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 myFICO.com 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.