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Valued Contributor
Posts: 1,437
Registered: ‎08-07-2007
0

Barclaycard PC Success!!!!!

[ Edited ]

Round 1: So about a month ago I wanted to pc my Rewards MC 22.9% APR for the Ring MC because of the Ring's 8% ongoing APR. I was told that this was not possible and that I would have to apply for the Ring MC separately if I wanted it bad enough. I applied and was declined because I already had the Rewards MC $4,000 CL with $0 balance and they were not prepared to offer me an additional line of credit. I called in to recon and explained that I did not want an additional line of credit and that all I wanted to do was pc from one card to the next. Again, I was told that pc was not an option. They gave me the option to close my Rewards MC and apply for the Ring but I told them that I was not prepared to sacrifice a year and a half of history just to start over with the Ring MC.

 

Round 2: Day before yesterday, I decided to post on the Barclaycard FB page asking about a pc and why it was not possible. Received a call yesterday from a social media team member and was told that I could probably split my CL between two cards (Rewards MC $2,000 and Ring $2,000). I said that would be ok but I would rather just pc if at all possible. The rep stated that she would make some calls and call me back with any info that she could gather. Received a call today from the same rep stating that she could get me in touch with an analyst that could get my limits split between the two cards. I get transferred over to the analyst and she's asks right off the bat if I would like my CL split between two cards or just transfer my entire CL over to the Ring (PC!!!!!).:smileyvery-happy: I did take a HP in order for this pc to happen but 1 hit on TU is not going to kill my score. I have been in the garden for almost a month. Does a hp for a pc count as apping?:smileysad:

 

In Conclusion: I now have my Ring MC @ 8% with a $4,000 CL and $0 Balance. I wish that I could mention the reps name that was so helpful but you can always go over to the Barclaycard FB page and read what I posted this morning.:smileywink:

 

I love you social media rep mystery lady!!!  Thank you for all of your help!!

Valued Contributor
Posts: 1,863
Registered: ‎09-20-2011
0

Re: Barclaycard PC Success!!!!!

Congrats on a successful end but it should not have been that difficult. 

Valued Contributor
Posts: 1,437
Registered: ‎08-07-2007
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Re: Barclaycard PC Success!!!!!


boomhower wrote:

Congrats on a successful end but it should not have been that difficult. 


You're absolutely correct!! I think that PCs are foreign to them because the vast majority of their cards are co-branded and have different underwriting guidelines. It took a month but I have to praise the rep that finally pointed me in the right direction.
Regular Contributor
Posts: 180
Registered: ‎12-19-2012
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Re: Barclaycard PC Success!!!!!

congrats!  So I guess its one and done with Barclay.  I was wondering if PC to ring was possible.  Thats is terrible the hoops you had to jump through.  Well a win is a win.  So a Victory in by book congrats again.

AMEX B SKY-1K AMEX PRG- NPSL USAA PLTM -6K
DISCOVER IT- 5.2K BARCLAY REWARD- 3.2K
PAYPAL REWARDS -6K VICTORIA SECRETS -1750
USAA AMEX-5.5K CITI TY PREFR 3.1K(NPSL) CHASE FREEDOM -1K
SPORTSMAN VISA- 8K AMEX ED PRFD- 8.5
Valued Contributor
Posts: 1,437
Registered: ‎08-07-2007
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Re: Barclaycard PC Success!!!!!


staifokuzed wrote:

congrats!  So I guess its one and done with Barclay.  I was wondering if PC to ring was possible.  Thats is terrible the hoops you had to jump through.  Well a win is a win.  So a Victory in by book congrats again.


Thanks!! You just have to talk to the right people. What are you wanting to PC from and to?
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: Barclaycard PC Success!!!!!

Did they use the same HP from when you applied?

By the way... Congrats
Regular Contributor
Posts: 180
Registered: ‎12-19-2012
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Re: Barclaycard PC Success!!!!!


SpecFile wrote:

staifokuzed wrote:

congrats!  So I guess its one and done with Barclay.  I was wondering if PC to ring was possible.  Thats is terrible the hoops you had to jump through.  Well a win is a win.  So a Victory in by book congrats again.


Thanks!! You just have to talk to the right people. What are you wanting to PC from and to?

I have the rewards card as well.  But the Ring has looked very tempting to me.  I have only had my card since DEC 2012 and still falls under 0%.  I only have 1k so really cant untilized the zero percent.  Hopefully they will bump me up at 6 months.

AMEX B SKY-1K AMEX PRG- NPSL USAA PLTM -6K
DISCOVER IT- 5.2K BARCLAY REWARD- 3.2K
PAYPAL REWARDS -6K VICTORIA SECRETS -1750
USAA AMEX-5.5K CITI TY PREFR 3.1K(NPSL) CHASE FREEDOM -1K
SPORTSMAN VISA- 8K AMEX ED PRFD- 8.5
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Barclaycard PC Success!!!!!

CONGRATS!!!!

:smileyhappy:



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Posts: 1,437
Registered: ‎08-07-2007
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Re: Barclaycard PC Success!!!!!

@Lexie I wish! 36 days had passed.

@LS thanks!!
Epic Contributor
Posts: 24,736
Registered: ‎10-23-2007
0

Re: Barclaycard PC Success!!!!!

GOSH, Wish I could break off half of our US Air Business Card to another Card!!!

Fico Scores: EQ- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
90 Cards and Counting :smileytongue:
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