Reply
Established Member
wl123
Posts: 31
Registered: ‎09-19-2013
0

Barclays promotional APR upon request?

After being approved for the Sallie Mae card, I called to inquire about the high APR and they said to call back in 6 months for an APR reduction. I logged into my account this morning and noticed the purchase APR now says 0%. I don't think there is a promotional period for this card so what does this mean?

Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Barclays promotional APR upon request?

Doesn't Sallie Mae have a promo period? Pretty sure it's 15 mos.
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
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Barclays promotional APR upon request?

My bad , it's 12 mos https://www.salliemae.com/landing/WorldCreditCard
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 Member
wl123
Posts: 31
Registered: ‎09-19-2013
0

Re: Barclays promotional APR upon request?

Thanks! Didn't catch that on the application page.

Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Barclays promotional APR upon request?

Np:-)
It was 15 mos at one time as I considered it a while ago.
Barclay's always tells me to call for an APR reduction once I'm outta the promo period, so I'll suggest that to you too.
Although, they have never lowered it from 24.99%, they've constantly hounded me with those blank BT checks in the past. Even with a "standard" 24.99% apr, I've never paid more than 3.99% on my Travelocity Amex
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
Valued Contributor
Themanwhocan
Posts: 1,826
Registered: ‎04-04-2013
0

Re: Barclays promotional APR upon request?

I dont see where it says the current APR when logged in to the Sallie mae card. There is a section on Balance Transfers, that mentions a 0% intro APR until 12/15/2014 and a 3% balance transfer fee, with a link to 'select this offer'. But thats all in the Balance Transfer section, so it must just be for BT, right?

 

My Priceline.com card has a similar offer. Should I be selecting these offers...


Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Barclays promotional APR upon request?

Check the statement.
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
Valued Contributor
Themanwhocan
Posts: 1,826
Registered: ‎04-04-2013
0

Re: Barclays promotional APR upon request?


youngandcreditwrthy wrote:
Check the statement.

The statement that came with the card says my Sallie Mae has a 20.99% APR for purchases, there is no 0% promotion for that.

 

My balance transfer does have a 0% APR for 15 billing cycles. 20.99% after that.

 

I did look at the Terms & Conditions link from the signup page, and those terms are different than what I received.


Valued Contributor
Themanwhocan
Posts: 1,826
Registered: ‎04-04-2013
0

Re: Barclays promotional APR upon request?

[ Edited ]

Whups, they have TWO versions of the Terms and Conditions link on the signup page!

 

The one near the top of the page has my correct terms. the ones in the sections near the bottom of the page (the sections numbered 1, 2, etc) have the 12 month intro APR and 12 month Balance Transfer intro APR offer...


Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Barclays promotional APR upon request?

Lol the statement is your bill, not the info that comes w the card.
Have you gotten a bill yet?
Hm. Call the backdoor number and ask a Credit Analyst.
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

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}