Reply
Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012
0

Barclays?!?!

whats the deal with barclays cards are they good? better rewards? APR? 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Contributor
Posts: 93
Registered: ‎04-13-2011
0

Re: Barclays?!?!

I don't know about APR, it seems it is still usually high at 22.99 or 24.99, but the rewards are nice on the Barclays Rewards MC.  You use the rewards to pay off portions of your statement balance whenever you want to. 


Starting Score: After BK d/c of 7/7/10: EQ Fico 629; TU Fico 579; EX Quizzle 610
Current Score 11/30/13: All Fico's EQ 668; TU 689; EX 666; and Barclay's Fico showing 650
Goal Score: 700 for all

12/2010: Cap One Platinum MC $3500; 8/2011: Cap One Quicksilver One MC ($1000); 4/2012: Barclays Rewards MC ($7500); 12/2013: Logix Platinum Rewards Visa ($15000); 12/2013: DCU Platinum Rewards Visa ($3000).

Take the FICO Fitness Challenge
Frequent Contributor
Posts: 445
Registered: ‎09-14-2011
0

Re: Barclays?!?!

[ Edited ]

appbar1114 wrote:

whats the deal with barclays cards are they good? better rewards? APR? 


24%apr. I bought a $750 Ipad. 6 mounths 0%.

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Valued Contributor
Posts: 1,115
Registered: ‎10-31-2011
0

Re: Barclays?!?!

High APR but can beat the 0% financing at the apple store

ccpics2.jpg
Frequent Contributor
Posts: 443
Registered: ‎03-22-2008
0

Re: Barclays?!?!

Like most other cards, it depends on how you are going to use them.  The APR is generally pretty high on them (with the exception of the Ring), so if you plan on carrying a larger balance then perhaps they aren't the best.  If you PIF every month, or most months, then the APR doesn't really matter.

 

The Apple Financing card offers 0% financing at Apple, so for me, that is worth it.  I've had this card since 2008 and have benefited from this perk multiple times.  It also provides reward points towards Itunes gift cards.  While the giftcards are nice, I find the main value in the free financing and look at the gift cards as a nice surprise that periodically shows up in my mailbox.

 

I also have a Carnival Mastercard from Barclays which provides points that can be used with Carnival.  I don't use the card heavily, so I have never received a free cruise, but I have been able to use the points to upgrade my room a few times.  I also just found out that the points can be used to purchase gift cards for retail stores.

 

I have received several automatic CLIs on both cards over the past few years.  The CL on my Apple Visa has doubled, and the CL on my Carnival MC has tripled.  I don't use them, but the Visa account has also been sending me balance transfer checks with pretty good 0% rates.  I am currently, completely happy with both cards.

 

 


Current:
TU (5/14/14): 796 (Inquiries; 8/23/13)
EQ (3/23/14): 791 (Inquiries: 8/23/13)
EX (9/24/13): 780 (Inquiries: 7/2/12; 11/20/12; 7/30/13; 8/23/13)

Goals: No new inquiries for 2014, 800 for all CRs by 12/31/14
Valued Contributor
Posts: 1,413
Registered: ‎04-18-2008
0

Re: Barclays?!?!

13.24% is the APR for my priceline sig. Rewards are ok at best but its got a 20k limit.
Valued Contributor
Posts: 1,143
Registered: ‎05-17-2010
0

Re: Barclays?!?!

Barclaycard Rewards MC.  $10K limit and 12.99% APR.  

Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
0

Re: Barclays?!?!


appbar1114 wrote:

whats the deal with barclays cards are they good? better rewards? APR? 


Barclays is popular with rebuilders becuase of their approvals and recons and CLIs, for which they are usually great.    Also their promotions with Apple as well.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Established Contributor
Posts: 622
Registered: ‎01-04-2009
0

Re: Barclays?!?!

Although the use is pretty limited I really like their Barnes & Noble card - 5% statement credit on purchases.  Due to e-book price fixing by publishers there often aren't a lot of discounts to be had otherwise.  Barclays also seems pretty good with limits.  Other than this and maybe the Apple card for financing options (if you dig Apple products) I don't find their other rewards options super appealing personally.

Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012
0

Re: Barclays?!?!

so its more for rebuilders?


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.