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New Visitor
Chiberia33
Posts: 2
Registered: ‎02-20-2014
0

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.

 

 

Valued Contributor
juggalo9er
Posts: 1,206
Registered: ‎10-24-2013
0

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.

the beatings will continue until moral improves Wal-Mart 300 lowes 500 cap 1 3000 Barclay rewards 800 upromise 800
Indiana Members Platinum Visa $10,000 forum credit union mastercard 12,000, forum 7.24% 2,500
closed on home 3/15/2014
New Visitor
Chiberia33
Posts: 2
Registered: ‎02-20-2014
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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.

Valued Contributor
juggalo9er
Posts: 1,206
Registered: ‎10-24-2013
0

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

the beatings will continue until moral improves Wal-Mart 300 lowes 500 cap 1 3000 Barclay rewards 800 upromise 800
Indiana Members Platinum Visa $10,000 forum credit union mastercard 12,000, forum 7.24% 2,500
closed on home 3/15/2014
Regular Contributor
negg
Posts: 191
Registered: ‎05-21-2011
0

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. 

Delta Amex $7500.........Marriott Rewards Premier $6500.......Discover IT $3800......Citi Preferred $2500...........Chase Freedom $2500........Barclay(apple) $2000.......BofA $1500.......
Capital One $4000.....ASB $3000(soon to be FNO visa)
Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

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
Established Contributor
westo12
Posts: 579
Registered: ‎07-20-2008
0

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%! :smileywink:  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?

2014 Starting-618, current TU636/EX653/EQ600 (WalmTU 8/13,Prosper, CLI decline ltr) / Ending Goal score: 720 - 25 pos TLs / Baddies: 1 unpd $312 med CA, 1/30 day auto late on 9/1/12 /reported Install Bal/Lim: 17885/28512 | reported Revolving Bal/Lim: 10055/21082=49%util.

**IN the garden until I get some auto CLI's on major accts**
Valued Contributor
juggalo9er
Posts: 1,206
Registered: ‎10-24-2013
0

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

the beatings will continue until moral improves Wal-Mart 300 lowes 500 cap 1 3000 Barclay rewards 800 upromise 800
Indiana Members Platinum Visa $10,000 forum credit union mastercard 12,000, forum 7.24% 2,500
closed on home 3/15/2014
Established Contributor
westo12
Posts: 579
Registered: ‎07-20-2008
0

Re: Barclaycard + balance checks

Ok thanks for the info, hope so too. :smileyhappy:

2014 Starting-618, current TU636/EX653/EQ600 (WalmTU 8/13,Prosper, CLI decline ltr) / Ending Goal score: 720 - 25 pos TLs / Baddies: 1 unpd $312 med CA, 1/30 day auto late on 9/1/12 /reported Install Bal/Lim: 17885/28512 | reported Revolving Bal/Lim: 10055/21082=49%util.

**IN the garden until I get some auto CLI's on major accts**

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