Barclaycard Rewards

[Anonymous]

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@Man-Of-Steel wrote:

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@pizza1 wrote:
congrats and be prepared, that it ***might*** be a HP. Any customer initiated APR/CLI trick the last few times, have resulted in a HP to the person. Its been the concensus that the auto happens anywhere from 6-12 months, with the 7th & 8th months being the times they do the auto.

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Congrats to the OP.  I've read about the SP APR/CLI trick, but I hadn't heard that it could result in an HP.  I guess it makes sense though, considering the usual risk that comes along with any customer initiated CLI.  Fortunately my CL is more than sufficient, so I won't be calling in to try this.  I haven't received any auto CLIs yet from Barclays, but that's ok too.

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I was an idiot myself for clicking the "luv button." I have no use for iTunes or Apple products gift cards but yet I took the risk and it costed me an inquiry. 

[Man-Of-Steel]

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@Anonymous wrote:

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@Man-Of-Steel wrote:

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@pizza1 wrote:
congrats and be prepared, that it ***might*** be a HP. Any customer initiated APR/CLI trick the last few times, have resulted in a HP to the person. Its been theconcensus that the auto happens anywhere from 6-12 months, with the7th &8th months being the times they do the auto.

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Congrats to the OP.  I've read about the SP APR/CLI trick, but I hadn't heard that it could result in an HP.  I guess it makes sense though, considering the usual risk that comes along with any customer initiated CLI.  Fortunately my CL is more than sufficient, so I won't be calling in to try this.  I haven't received any auto CLIs yet from Barclays, but that's ok too.

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I was an idiot myself for clicking the "luv button." I have no use for iTunes or Apple products gift cards but yet I took the risk and it costed me an inquiry. 

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As they say....you live and learn right?   Did you at least get a CLI from your request?

[Anonymous]

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@Man-Of-Steel wrote:

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@Anonymous wrote:

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@Man-Of-Steel wrote:

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@pizza1 wrote:
congrats and be prepared, that it ***might*** be a HP. Any customer initiated APR/CLI trick the last few times, have resulted in a HP to the person. Its been theconcensus that the auto happens anywhere from 6-12 months, with the7th &8th months being the times they do the auto.

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Congrats to the OP.  I've read about the SP APR/CLI trick, but I hadn't heard that it could result in an HP.  I guess it makes sense though, considering the usual risk that comes along with any customer initiated CLI.  Fortunately my CL is more than sufficient, so I won't be calling in to try this.  I haven't received any auto CLIs yet from Barclays, but that's ok too.

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I was an idiot myself for clicking the "luv button." I have no use for iTunes or Apple products gift cards but yet I took the risk and it costed me an inquiry. 

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As they say....you live and learn right?   Did you at least get a CLI from your request?

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Well yeah, my credit score can earn more than Barclay products...it's a useless trash cards for me since I prefer to use my card wih 5% cash back instead or my 3% cash back for groceries instead of  earning iTunes or Apple gift cards.

Even Barclay Rewards card is ridunkulous; the APR is 24.99%. But that is probably the best card to PC too since it offers 2X cash back on utilities and gas.

[Man-Of-Steel]

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@Anonymous wrote:

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Well yeah, my credit score can earn more than Barclay products...it's a useless trash cards for me since I prefer to use my card wih 5% cash back instead or my 3% cash back for groceries instead of  earning iTunes or Apple gift cards.

Even Barclay Rewards card is ridunkulous; the APR is 24.99%. But that is probably the best card to PC too since it offers 2X cash back on utilities and gas.

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I hear you. Good luck with getting the card PC'd into a Rewards card.  I've read where the Apple Rewards card is pretty useless after the 0% APR period is over.

[Anonymous]

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@Man-Of-Steel wrote:

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 The nicest thing (to me) about Visa Sig and WEMC is the logo.  Those logos are nice looking.  

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I was just as much vain as you were. I'm a credit card nub. I received my Discover it and American Express Blue Cash Everyday and I still stare at them like it's something new and amusing, one has a shiny blue sticker and the other is made of metal that came with a huge box.

I was more of a credit card nub when I started applying spring '15. I never had a credit card before and that was the reason I applied for the Barclay Apple Rewards. It looked silver and shinny, something to perhaps scare vampires or use against werewolves this Halloween. At least I did purchase an Apple product.

[Man-Of-Steel]

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@Anonymous wrote:

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@Man-Of-Steel wrote:

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 The nicest thing (to me) about Visa Sig and WEMC is the logo.  Those logos are nice looking.  

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II was just as much vain as you were. I'm a credit card nub. I received my Discover iT and American Express Blue Cash Everyday and I still stare at them like it's something new and amusing, one has a shiny blue sticker which the other is made of metal that came with a huge box.

I was a credit card nub when I started applying spring '15. I never had a credit card before and that was the reason I applied for the Barclay Apple Rewards. It looked silver and shinny, something to perhaps scare vampires or use against werewolves this Halloween. I did purchase an Apple product.

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[OmarGB9]

I still think the logos are pleasant to look at. Sometimes I still get my Venture out and stare at the shiny Visa Sig logo. Lol. But I definitely wouldn't apply for a card simply for the WEMC/Visa Sig aspect of it.

[xXIDaShizIXx]

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@Anonymous wrote:

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@xXIDaShizIXx wrote:

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@Anonymous wrote:

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@xXIDaShizIXx wrote:

So I'm on my 7th statement with my rewards card. I still haven't received an auto cli. While I realize these things aren't guaranteed, I've yet to recieve any auto clis on any cards. Has anyone had any success with calling in and getting soft pull CLI's?

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The CLI will always be a hard inquiry for Barclay; make sure you have use for the card otherwise it's a wasted inquiry when you could have applied for a better card.

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It was a soft pull.

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When you make a request through the "luv button," through Barclay, it will always be a hard pull. Don't learn the hard way by pressing the button yourself.

If it was an auto CLI, then obviosly it is a soft pull as they have no authorization to go through your credit report without your authorization.

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Read the original post. I was talking about neither of those. I was talking about calling in with the APR reduction/SP CLI after talking with a retention representative. 

[Anonymous]

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@xXIDaShizIXx wrote:

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@Anonymous wrote:

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@xXIDaShizIXx wrote:

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@Anonymous wrote:

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@xXIDaShizIXx wrote:

So I'm on my 7th statement with my rewards card. I still haven't received an auto cli. While I realize these things aren't guaranteed, I've yet to recieve any auto clis on any cards. Has anyone had any success with calling in and getting soft pull CLI's?

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The CLI will always be a hard inquiry for Barclay; make sure you have use for the card otherwise it's a wasted inquiry when you could have applied for a better card.

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It was a soft pull.

---

When you make a request through the "luv button," through Barclay, it will always be a hard pull. Don't learn the hard way by pressing the button yourself.

If it was an auto CLI, then obviosly it is a soft pull as they have no authorization to go through your credit report without your authorization.

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Read the original post. I was talking about neither of those. I was talking about calling in with the APR reduction/SP CLI after talking with a retention representative. 

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(Mod Cut-not FSR)  I'm just warning you that the "luv button" is an automatic hard inquiry on your credit report.

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@xXIDaShizIXx wrote:

So I'm on my 7th statement with my rewards card. I still haven't received an auto cli. 

[Gmood1]

I didn't get the Barclays Arrival+ WEMC for the looks, but I have to say it's the best looking card in my wallet besides the purple SPG. lol

I'm still giving the nod to the Arrival + though.