04-15-2013 10:04 PM
04-15-2013 11:41 PM
I got Barclay Rewards in July '12 for the 0% BT/purchases for 15 months. Put 3500 BT and 500 purchases onto the card right away and leave the unpaid balance at 4k every month. I usually put about 500ish a month on it and pay it back to 4k end of each month. Have had about 8 or 9 statements cut and have never heard from them about a review, CLI, or AA. I will probably leave the 4k there until BT is almost over then PIF and will probably run a little more a month through the card at that time. I don't mind carrying the high util since I don't really need to apply for credit anywhere, except a car a few months ago which I was fortunate enough to get the best rate on even with highish util.
04-16-2013 03:54 AM
Never had a payment held up with Barclays. I guess they're used to my payment pattern.
04-16-2013 07:06 AM
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.