Barclays AA

[NRB525]

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@Chilli wrote:

we just just checked my partners Apple acct that he opened in May and saw his CL was reduced from $3.5 to 2,900.  🙄

He is carrying a balance...taking advantage of the promo. 

Anyways, I will pay this balance off tomorrow and

✂️✂️✂️✂️✂️✂️✂️✂️💤💤💤

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Sorry to hear, what is the rest of his file like? New accounts, and when? Any history of already reporting substantial balances on other cards?

[Chilli]

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@Anonymous wrote:

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@Chilli wrote:

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@Open123 wrote:

0% promo?  If so, unless you're really concerned about the Utility, there really isn't any reason to PIF early.

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True but that puts him a little over 59% until on this acct. 

bEsides, I really don't have time to play Barclays balance chasing finicky game.

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Did he call them to try to find out what caused the CLD?

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I think it's carrying a balance for a few months on this card and his AMEX which is also a promo.

Nope, I told him not to call...it's really not worth the effort.

[Open123]

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@Chilli wrote:

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@Open123 wrote:

0% promo?  If so, unless you're really concerned about the Utility, there really isn't any reason to PIF early.

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True but that puts him a little over 59% until on this acct. 

bEsides, I really don't have time to play Barclays balance chasing finicky game.

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I totally get this.  

For me, if I had 0% terms contractually, there's nothing a Bank could do to possibly cause me to give up a "free" loan.  In my view, 59% utility isn't that bad.  And, if they balance chase, I'd go with min payment, then a final balloon PIF right before the promo ends.

[baller4life]

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@pizza1 wrote:
Sorry Chilli, but we know how Barclays is...They really don't want you to carry balances, even though they send checks in the mail, and offer great BT offers.. It boils down too, they don't like even though they promote it.

That stinks!! Im sorry to hear this

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+100 I wouldn't carry a balance with Barclays again  if Hell froze over twice!! 

[Anonymous]

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@pizza1 wrote:
Sorry Chilli, but we know how Barclays is...They really don't want you to carry balances, even though they send checks in the mail, and offer great BT offers.. It boils down too, they don't like even though they promote it.

That stinks!! Im sorry to hear this

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I'm testing that right now. Used one of the 0% APR checks last month for $1200.

[elim]

to help us barclaycard holders, will you please share the payments you have been making on the balance?  min? 2x min? 10x min?

how big was the balance vs limit?

any help with barclays is hugely appreciated by me and any others walking on eggshells with this skittish lender (i'm really learning to not care about their cards).  

[Chilli]

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@baller4life wrote:
That sucks! Sorry to hear Chilli.

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Baller, don't be sorry. Shucks, do you think I really care? Hummmm, NO! 😂😂😂😂

[Chilli]

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@elim wrote:

to help us barclaycard holders, will you please share the payments you have been making on the balance?  min? 2x min? 10x min?

how big was the balance vs limit?

any help with barclays is hugely appreciated by me and any others walking on eggshells with this skittish lender (i'm really learning to not care about their cards).  

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This was an APPLE card. No BT...he had purchase a MacBook for our daughter. Lol

we we were making 3x min payment.

bal to limit was I would say 1,900 got it down to 1,300.

he only got the card for the promo at the Apple Store. ...no biggie.

[Chilli]

Thanks, pizza. You're right.

[pizza1]

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@Anonymous wrote:

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@pizza1 wrote:
Sorry Chilli, but we know how Barclays is...They really don't want you to carry balances, even though they send checks in the mail, and offer great BT offers.. It boils down too, they don't like even though they promote it.

That stinks!! Im sorry to hear this

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I'm testing that right now. Used one of the 0% APR checks last month for $1200.

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Kepp us posted!!  Remember....they usually dont AA right away, they wait a few months  good luck to you, hope it work out! lol