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Established Member
awall41
Posts: 47
Registered: ‎04-24-2011
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Barclays Visa

I just got approved for a Barclays Visa!  I bought an iPad at 0% intrest.  They originally approved me for 500, I called and got an immediate CLI to 1500!  The CSR was really nice and easy to work with.  My question to you guys is what is the best way to keep getting CLI with Barclays I know a lot of people that are very happy with them.  Also on a side not would you consider this a Prime Card?

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haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
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Re: Barclays Visa

[ Edited ]

I'll need to let those with experience with this card help you on the CLI's, but just two observations:

 

--Don't app for anything else whatsoever for a while. I think six months is what I've read, if not longer. Barclays softs new cardholders, and if they see that you continue to get new accounts, they'll close you down, bam, just like that. (Just an FYI if you hadn't seen that already.)

 

--There's no such thing as a "prime card", other than in the eye of the beholder. If CS is good, there's easy online access to the account, there isn't a fee for breathing in and another for breathing out, and so forth, I consider any card a prime card. IMO, Barclays is better than HSBC in the tiny (membership = 2) category of big foreign banks who have bought into the US market. Their Barnes and Noble card is great.

 

Congrats on the new card and the iPad.

 

 

edited to correct abbreviation confusion

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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JayRizzo
Posts: 583
Registered: ‎10-17-2010
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Re: Barclays Visa

1,000% Correct-a-mundo, Hauling!!!  :smileywink:

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vish1
Posts: 1,129
Registered: ‎01-20-2011
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Re: Barclays Visa

[ Edited ]

 


JayRizzo wrote:

1,000% Correct-a-mundo, Hauling!!!  :smileywink:


Totally agreed.

 

 

Replied to JR instead of HTSU as I don't seem to enjoy any Barclay's discussion if JR is not there. :smileywink:

 

This line from HTSU::

--There's no such thing as a "prime card", other than in the eye of the beholder. If CS is good, there's easy online access to the account, there isn't a fee for breathing in and another for breathing out, and so forth, I consider any card a prime card

 

Is written as-well-as it could be. I use a similar (meaner) definition. If the card company makes money from the card holder (me), it's sub prime. If they make money from the merchant (anyone but me), it's a good card card. If they give me a chunk of what they snatched from the merchant, it's a prime rewards card. Bigger the share (rewards) I get, more prime I consider the card.

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
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haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
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Re: Barclays Visa

 


vish1 wrote:

 

...If the card company makes money from the card holder (me), it's sub prime. If they make money from the merchant (anyone but me), it's a good card card. If they give me a chunk of what they snatched from the merchant, it's a prime rewards card. Bigger the share (rewards) I get, more prime I consider the card.


Oooo, I like that! Blunt, and to the point. :smileywink:

 

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Senior Contributor
Open123
Posts: 4,155
Registered: ‎02-23-2011
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Re: Barclays Visa

Some of the best explanations I've read on the definition of "prime" card.  Succint, to the point, and with no obfuscation.

 

I'm gonna have to borrow and plagiarize these interpretations!

Established Member
awall41
Posts: 47
Registered: ‎04-24-2011
0

Re: Barclays Visa

Well then I would consider Barclays a prime card.  They have had excellent customer service so far (I ordered a 16 gig iPad and decided I wanted a 32),  No AF, No hidden fee's, the only thing is it lacks rewards points.  Overall I am very happy with them.

Senior Contributor
Open123
Posts: 4,155
Registered: ‎02-23-2011
0

Re: Barclays Visa

Congrats on your IPad.  Just took a look at the Apple cards, and they're stunners!

Established Member
awall41
Posts: 47
Registered: ‎04-24-2011
0

Re: Barclays Visa

Looks like I am going to wait until Jan 2012 to apply for that AMEX I've been drooling over.  Oh well I guess until then I can just sit back and garden :smileyhappy:

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Barclays Visa

 


awall41 wrote:

I just got approved for a Barclays Visa!  I bought an iPad at 0% intrest.  They originally approved me for 500, I called and got an immediate CLI to 1500!  The CSR was really nice and easy to work with.  My question to you guys is what is the best way to keep getting CLI with Barclays I know a lot of people that are very happy with them.  Also on a side not would you consider this a Prime Card?


What were your scores obtaining this card?

 




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