Barclays auto dropped my APR..

fot1 · ‎01-06-2016

Logged on to check on my statement and my apr is 1% lower then it was before .. Woo hoo

Too many to list..

elim · ‎01-06-2016

wow, Will you please log in to mine? lol

Congrats, You must be doing something right!

fot1 · ‎01-06-2016

@elim wrote:
wow, Will you please log in to mine? lol

Congrats, You must be doing something right!

I just got a second card with them. Was orginally declided but i called and talked to them. They asked about my income and if I had any other sources. I told them my gf gives me so much a month for the household bills. They let me include that in my income. I was able to get the other credit card ( with moving some credit limit around) Not sure if that had anything to do with this or not.

Too many to list..

Anonymous · ‎01-06-2016

Do you carry (or have you recently carried) a balance?

azguy13 · ‎01-06-2016

Wow, you never hear about this! Congrats!

OmarGB9 · ‎01-06-2016

Interesting data point

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores:

fot1 · ‎01-06-2016

@Anonymous wrote:
Do you carry (or have you recently carried) a balance?

Yes.. This is my main card.. i use it all the time... Carry large balances and make large payments.

Too many to list..

Anonymous · ‎01-07-2016

@fot1 wrote:
@Anonymous wrote:
Do you carry (or have you recently carried) a balance?

Yes.. This is my main card.. i use it all the time... Carry large balances and make large payments.

Maybe they want to discourage you from doing a BT? It's just a guess, of course, but some banks would rather lower a not-very-high-risk customer's APR than lose an interest-earning balance.

fot1 · ‎01-07-2016

@Anonymous wrote:
@fot1 wrote:
@Anonymous wrote:
Do you carry (or have you recently carried) a balance?

Yes.. This is my main card.. i use it all the time... Carry large balances and make large payments.
Maybe they want to discourage you from doing a BT? It's just a guess, of course, but some banks would rather lower a not-very-high-risk customer's APR than lose an interest-earning balance.

I am not sure what it is? Barclays is a strange one for me.. I was denied a second card with them 3-4 times But My SM card went up 10K with auto CLI's in year and half.

Too many to list..