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Established Contributor
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Registered: ‎08-20-2012
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Re: Barclays NFL $400 for $1000 back? - Approved yay!

Congrats

Established Contributor
Posts: 805
Registered: ‎02-01-2008
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Re: Barclays NFL $400 for $1000 back? - Approved yay!

[ Edited ]

*nods* Based on all that, I'd say your plan is probably the better option... not that I know what your approval chances would be for those cards, I just feel like Barclay's dislikes less than 6 months of revolving history and lowering the util is always helpful.  

 

We're working on DFs util right now haha  If I knew positively whether BTs counted towards the spending for this offer or not (contradicting information in the T&C) I'd do that for him to hit my $1000 spend instantly.  I'm still trying to convince him to apply, but he's one of those who think that having multiple credit cards is bad.  I keep telling him it's only bad if you use them improperly, but he won't listen :smileywink:

 


SnackTrader wrote:

 

Fast forward 2 weeks:

SnackTrader: I applied for the Barclays NFL Card to get the $400 cash back for $1000 spent...........................


ETA: Rofl at those two lines!

Start 2/2008: TU 495 || EX 539 || EQ 528
Now 5/2013: TU 716 || EX ??? || EQ 702

Slate: $5000 Simplicity: $5000 David's Bridal: $3500 SW Chase: $3000 FNBO: $3000 Barclay NFL: $2500 BofA: $2400 Discover IT: $1700 Walmart: $1500 Victoria's Secret: $1000 Cap1: $750 Amex Zync: NPSL
(2 derogs to go until I'm squeaky clean in 2014!)
Valued Contributor
Posts: 1,568
Registered: ‎09-15-2012
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Re: Barclays NFL $400 for $1000 back? - Approved yay!


modernsurrender wrote:

*nods* Based on all that, I'd say your plan is probably the better option... not that I know what your approval chances would be for those cards, I just feel like Barclay's dislikes less than 6 months of revolving history and lowering the util is always helpful.  

 

We're working on DFs util right now haha  If I knew positively whether BTs counted towards the spending for this offer or not (contradicting information in the T&C) I'd do that for him to hit my $1000 spend instantly.  I'm still trying to convince him to apply, but he's one of those who think that having multiple credit cards is bad.  I keep telling him it's only bad if you use them improperly, but he won't listen :smileywink:

 


SnackTrader wrote:

 

Fast forward 2 weeks:

SnackTrader: I applied for the Barclays NFL Card to get the $400 cash back for $1000 spent...........................


ETA: Rofl at those two lines!


Active credit card usage is hard for many to learn, especially if they aren't used to it.  If you think about it, multiple credit cards are difficult to manage when you throw in all of the bills of a household.  My observation is that most people outside of these forums use one or two credit cards for all of their credit spending, and then pay that as they are able.  If they get rewards, great.  But actively managing multiple cards in order to maximize rewards is just a complicated concept for many.

 

On top of that, the idea of a balance transfer in order to reduce interest is not often the first place many consider.  You're doing your DF a favor by explaining it, but don't be surprised if the message never gets through.  Our obsession isn't shared by many.


In My Wallet: Amex BCP (12/12) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Established Contributor
Posts: 697
Registered: ‎03-16-2012
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Re: Barclays NFL $400 for $1000 back? - Approved yay!

Congrats! 


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Established Contributor
Posts: 805
Registered: ‎02-01-2008
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Re: Barclays NFL $400 for $1000 back? - Approved yay!

Thanks :smileyhappy:

Start 2/2008: TU 495 || EX 539 || EQ 528
Now 5/2013: TU 716 || EX ??? || EQ 702

Slate: $5000 Simplicity: $5000 David's Bridal: $3500 SW Chase: $3000 FNBO: $3000 Barclay NFL: $2500 BofA: $2400 Discover IT: $1700 Walmart: $1500 Victoria's Secret: $1000 Cap1: $750 Amex Zync: NPSL
(2 derogs to go until I'm squeaky clean in 2014!)
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
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Re: Barclays NFL $400 for $1000 back? - Approved yay!

Nice offer, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012
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Re: Barclays NFL $400 for $1000 back? - Approved yay!

Congrats!!! Seee I knew you could replace that ole HSBC card!!!! Crapital One can suck it!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
Posts: 805
Registered: ‎02-01-2008
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Re: Barclays NFL $400 for $1000 back? - Approved yay!


youngandcreditwrthy wrote:
Congrats!!! Seee I knew you could replace that ole HSBC card!!!! Crapital One can suck it!!

LOL!  It is really nice, because $2500 here will make up for the $950 lost to HSBC and now I can still close my $800 BofA card in March if they don't raise it and I'll still have increased my available credit over the course of the year.  It makes me happy lol, but when I get happy, I also get app-y :smileylol:

Start 2/2008: TU 495 || EX 539 || EQ 528
Now 5/2013: TU 716 || EX ??? || EQ 702

Slate: $5000 Simplicity: $5000 David's Bridal: $3500 SW Chase: $3000 FNBO: $3000 Barclay NFL: $2500 BofA: $2400 Discover IT: $1700 Walmart: $1500 Victoria's Secret: $1000 Cap1: $750 Amex Zync: NPSL
(2 derogs to go until I'm squeaky clean in 2014!)
Member
Posts: 28
Registered: ‎11-04-2012
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Re: Barclays NFL $400 for $1000 back? - Approved yay!

I have a brief question concerning this promotion. Specifically, I was approved hours ago for an AMEX Blue Cash Everyday 0% APR for 15 months + $250 cash after $1,000 spent within 90 days. This was my first and only application for a credit card since I was 18. Here's a little more history from a previous thread immediately prior to being approved for the AMEX:

 

"I have two credit cards: a Commerce Bank credit card with a $3,750 limit (they recently raised it from $1,500 to $3,750 for no reason). Moreover, I have a Capital One credit card with a $2,750 limit. The cards have been in good standing since I was 18 - I'm currently only 24. My current balance on both cards = $0. Always pay in full, keep my utilization extremely low, and have never missed a payment in my life.

 

I do not officially know my credit score, however when I bought my first car (I've had two car loans before - paid off both in full early) the credit union said my credit score was above 720 two years ago. I have $12,000 dollars in a Roth IRA and a Lexus IS250 paid off in full. My only "debt" is student loans, however they are minimal considering all of my scholarships. I'm currently in medical school."

 

I'm wondering if it would be a good idea to apply for this promotion, couple it with my new AMEX (unknown CL since customer service told me to call tomorrow morning) and use the free money $650 total for my 2012 Roth IRA contribution, then pay the cards off in full.

 

Bad idea? Good idea? Ultimately I don't care, but just a thought. Free money for tax free growth in my IRA sounds good!

 

Thanks!

Established Contributor
Posts: 869
Registered: ‎07-04-2012
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Re: Barclays NFL $400 for $1000 back? - Approved yay!

[ Edited ]

This is a very detailed post and I feel I must thank you for all the information you provide us. I surely know a couple of people that would be doubtful before applying and your post will definitely help them take the final decision. Congratulations for the approval btw!!

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |

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