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Barclaycard + balance checks

New Visitor

Barclaycard + balance checks

Hi....new to forums. 

My background:  AAoA is 1.25 years, Highest limit is 2200 (Barclaycard Visa), No lates, 3 total credit cards.

 

So I app'd/received a Barclaycard Visa in Dec 2013 (I was going for a Macbook....but 'only' approved for 2200).  I've used the card once and PIF after statement cut.  I received 3 balance transfer checks w/0 APR thru "at least April 2015." 

 

I am aware that Barclays is sensitive to new inquiries.  My question is if I were to use the checks, say $1500 written to myself, and if I am gardening until at least the fall, would there be a problem?  I would have the balance paid off within 5-6 months.  I don't want to rock the boat with them since my account is new, and I don't need to use the checks.  It is just an option.  I am pretty conservative and am leaning to just shredding the checks, but I'd love to hear some imput.  Thanks.

 

 

Message 1 of 9
8 REPLIES
Valued Contributor

Re: Barclaycard + balance checks

barclay loves people using the bt checks even when written to yourself as they generally charge aroudn 3% of the sum written for the transaction. i have read a lot of threads on here that barclay likes balance being carried through promos and the b/s so you would be in a win win situation. i have written them numerous times for 800 on a 1300 line and have not had a problem in the short time i have had them.

Message 2 of 9
New Visitor

Re: Barclaycard + balance checks

thanks for the response.  I feel like using it at 0% (when my card is like 19.99) for paying down other bills would be the smart thing to do.

Message 3 of 9
Valued Contributor

Re: Barclaycard + balance checks


Chiberia33 wrote:

thanks for the response.  I feel like using it at 0% (when my card is like 19.99) for paying down other bills would be the smart thing to do.


could not have said it any better myself...i like to call that beating them at their own game

Message 4 of 9
Frequent Contributor

Re: Barclaycard + balance checks

I've never used one of the checks. I too bought an iPad and was approved for the apple card 2 years ago. Since then it's been my BT card. I've run $1000's thur it and never had an issue. 15/18 months interest free. Currently my Xmas charges are on there! I have till April 2015. Lol. 

CSR.........11,900.......Delta Amex $11,200.........Marriott Rewards Premier $8000.......Discover IT $9700......Citi Preferred $8600.......Chase Freedom $10,800.....Barclay(apple) $11,600......BofA $1500.......Capital One $7400......FNO $7200........Barclay(Hawaiian airlines)$11,000......Citi Costco $15,000. June 1st 2013 0 credit cards and 575 fico. Today 114K in credit and 784 fico and ZERO INQUIRIES......ZERO.
Message 5 of 9
Valued Contributor

Re: Barclaycard + balance checks


Chiberia33 wrote:

thanks for the response.  I feel like using it at 0% (when my card is like 19.99) for paying down other bills would be the smart thing to do.


Barclays sends those checks out very often, and I have used them to BT a few times for 0%.  It's a lot easier to pay off 0% than 19% so go for it and just send that money to Barclays.  They will reward you.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Message 6 of 9
Established Contributor

Re: Barclaycard + balance checks

I received my new Barclay Rewards card today and a BT check as well.  SO nice of them to set my regular and BT APR to 24.99 and not charge me a BT fee of the 3%! Smiley Wink  What do I do now?  Use and PIF every month to avoid paying this horrible APR is pretty much all I can do.  

Anyone have any experience with getting them to either lower the APR or know if they will possibly send checks in the future with special 0% terms?

Chap7 discharge 7/29/15
Fico 11/20: TR:595(high util)
Cap1(Plat+QS) 3500+2500/Merrick 1000/Express 1100.
Message 7 of 9
Valued Contributor

Re: Barclaycard + balance checks

i have had 2 0% offers in the 5 months i have been with them...i would say give it time and i hope on your behalf they offer one

Message 8 of 9
Established Contributor

Re: Barclaycard + balance checks

Ok thanks for the info, hope so too. Smiley Happy

Chap7 discharge 7/29/15
Fico 11/20: TR:595(high util)
Cap1(Plat+QS) 3500+2500/Merrick 1000/Express 1100.
Message 9 of 9