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Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

Re: Carrying a Balance on Barclays

If you speak to an account manager, they will remove the payment hold. My last payment of $3800 took two days to be place off of hold.
:-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|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 Contributor
Posts: 732
Registered: ‎06-06-2012
0

Re: Carrying a Balance on Barclays

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.

 

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Carrying a Balance on Barclays

Smiley Indifferent

 

Never had a payment held up with Barclays. I guess they're used to my payment pattern.




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Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
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Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

Re: Carrying a Balance on Barclays

I've noticed they only hold mine when I make payments in excess of $2k.
For cash flow reasons, which relate to takig advantage of Barclay's ongoing BT offers- I tend to pay a little more than the minimum a few months, and then PIF before the bt offer expires. They dared to say that I should plan ahead for expenses and to not count on them releasing funds or having the credit immeiately available. I explained to them that I simply wouldn't use their card if they didn't release the hold. Heh, I don't use my Travelocity Amex for everyday purchases anyway. I use my real Ex BCE, which has a higher limit, better purchase terms anyway. Silly Barclay's!😝😜😌
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
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